BANKING STRUCTURE IN NEW ENGLAND 2001 - 2004 · PDF fileINTRODUCTION This report, an update of Research Report 76, Banking Structure in New England 1999-2001, provides information

F E D E R A L R E S E R V E B A N K O F B O S T O N R E S E A R C H R E P O R T 77

BANKING STRUCTURE

IN NEW ENGLAND

2001 - 2004 December 2004 Marcella Vencil

TABLE OF CONTENTS ACKNOWLEDGMENTS INTRODUCTION 7 I. ELEMENTS OF ANTITRUST ANALYSIS 9

Present Competition Mitigating Factors

II. CHANGES IN NEW ENGLAND BANKING STRUCTURE 13 SUMMARY OF CHANGES

Bank Formations and Mergers Changes in Deposits Bank Failures

BANKING STRUCTURE CHANGE TABLES 21 Mergers and Acquisitions Holding Company Formations New Banks and Thrifts Name Changes Bank Failures

III. NEW ENGLAND DEPOSITORY INSTITUTIONS 33 NEW ENGLAND BANKING TABLE 35 STATE BANKING TABLES 48

Connecticut 49 Maine 53 Massachusetts 56 New Hampshire 65 Rhode Island 68 Vermont 70

IV. NEW ENGLAND BANKING MARKET MAPS AND DEFINITIONS 72

BANKING MARKET MAPS 74 CONNECTICUT MAPS 75 MAINE MAPS 76 MASSACHUSETTS MAPS 77 NEW HAMPSHIRE MAPS 78 RHODE ISLAND MAPS 79 VERMONT MAPS 80

BANKING MARKET DEFINITIONS 81 Connecticut 82 Maine 83 Massachusetts 87 New Hampshire 88 Rhode Island 90 Vermont 91

V. NEW ENGLAND BANKING MARKET TABLES 93 CONNECTICUT TABLES 94 Hartford 95 New Haven 97 New London 99 Torrington 101 Waterbury 102 MAINE TABLES 103 Augusta 104 Bangor 105 Bar Harbor 106 Bath 107 Belfast 108 Blue Hill 109 Boothbay Harbor 110 Calais 111 Damariscotta 112 Ellsworth 113 Farmington 114 Fort Kent 115

Guilford 116 Houlton 117 Lewiston 118 Lincoln 119 Machias 120 Madawaska 121 Millinocket 122 Paris-Norway 123 Pittsfield (ME) 124 Portland 125 Presque Isle-Caribou 126 Rangeley 128 Rockland 129 Rumford 130 Waterville 131 MASSACHUSETTS TABLES 132 Boston 133 Cape Cod 142 Fall River 143 Martha’s Vineyard 144 Nantucket 145 New Bedford 146 Pittsfield 147 Springfield 148 Worcester 150 NEW HAMPSHIRE TABLES 152 Berlin 153 Claremont 154 Colebrook 155 Concord 156 Conway 157 Hanover-Lebanon 158 Haverhill 159 Keene 160 Laconia 161 Littleton 162 Manchester 163 Plymouth 164 Portsmouth 165 RHODE ISLAND TABLES 166 Newport 167

Providence 168 VERMONT TABLES 170 Barre-Montpelier 171 Bennington 172 Brattleboro 173 Burlington 174 Manchester (VT) 175 Middlebury 176 Morristown 177 Newport 178 Randolph 179 Rutland 180 St. Johnsbury 181 Springfield 182 Waitsfield 183

VI. CROSS-REFERENCE INDEX OF BANKING ORGANIZATIONS AND MARKETS 184

ACKNOWLEDGEMENTS

The author is grateful to those who helped produce this report. First, the

author would like to thank Ann Eggleston and Joanna Stavins for their valuable

comments and suggestions. Fabienne Madsen and Julie Weinstein were

responsible for the graphic design of the maps of New England's banking markets.

Tom DeCoff assisted in publishing the report on the Web.

Parts of this report are based upon material found in the Banking Structure in

New England 1999-2001 research report.

Any opinions expressed are those of the author and do not necessarily

represent the views of the Federal Reserve System or the Federal Reserve Bank of

Boston. Any errors not introduced by original sources are the sole responsibility of

the author.

December 2004 Marcella Vencil

INTRODUCTION

This report, an update of Research Report 76, Banking Structure in New England 1999-

2001, provides information on the structure of New England's banking industry. The report is

divided into six sections:

Section I briefly discusses key elements of antitrust analysis as applied to the banking

industry, including the definition of local banking markets and the U.S. Department of Justice's

guidelines for evaluating the anticompetitive effects of horizontal mergers.

Section II summarizes changes in the structure of New England banking that occurred

between May 10, 2001, and April 30, 2004. (The 1999-2001 Report summarized changes

occurring between May 1, 1999, and May 9, 2001.) This section includes five banking structure

change tables that list in detail all mergers and acquisitions, formations of bank holding

companies, bank openings, name and type changes, and bank closings and failures.

Section III presents tables ranking New England's commercial banking and thrift

organizations by total consolidated New England deposits. The first table indicates each

institution's deposits, ranking, and share of total New England deposits. This table also

provides the total number and combined aggregate deposits of all commercial banking and thrift

organizations in New England.1 The second table provides the same statistics as those

provided in the New England table, organized by state.

Section IV describes New England's local banking markets with maps and definitions.

1The term "commercial bank" as used in this report includes national commercial banks and state-chartered commercial banks. The term "thrift institution" refers to state-chartered and federally chartered savings banks, savings and loan associations, mutual savings banks, and cooperative banks. A "commercial banking organization" is either an independent commercial bank or a bank holding company having one or more commercial bank subsidiaries. A "thrift organization" is either a thrift holding company having one or more thrift subsidiaries (and no commercial bank subsidiaries) or an independent thrift.

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State maps show the banking markets in that state as defined by the Federal Reserve Bank of

Boston, color-coded for the degree of concentration.2

Section V contains New England's local banking market tables. The tables in this

section list the commercial banking and thrift organizations operating in each local banking

market, and together with their deposits and their share of deposits in the local market. At the

bottom of each table, two measures of the Herfindahl-Hirschman Index (HHI) are provided: (1)

the HHI with 100 percent thrift deposit inclusion, and (2) the HHI with 50 percent thrift deposit

inclusion. The HHI is a statistical measure of market concentration. It is currently used by the

Department of Justice and by the Federal Reserve in evaluating the competitive impact of a

merger. At the Federal Reserve, the HHI is calculated by including 100 percent of the deposits

of commercial banks in a market and at least 50 percent of the deposits of thrift institutions.

Several banking markets have been added, redelineated, or deleted since the

publication of Banking Structure in New England 1999-2001. These changes are based on the

2000 definition of Ranally Metro Areas and Census 2000 data.

Section VI lists the New England local banking markets in which each banking or thrift

organization operates.

The tables provided in this report are updated periodically by the Research Department

of the Federal Reserve Bank of Boston and are available on the Bank's web site at

http://www.bos.frb.org/bankinfo/struct/index.htm.

2 Some markets include banks operating from more than one state. Each market is assigned to the state that contains the market’s core (see Section I).

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I. ELEMENTS OF ANTITRUST ANALYSIS

A. PRESENT COMPETITION

The fundamental guideline for evaluating the impact on present competition of any

change in market structure is the Clayton Antitrust Act of 1914. Section 7 of the Act prohibits

the acquisition of any firm when "in any line of commerce in any section of the country the effect

of such acquisition may be to substantially lessen competition."3 Thus, for each proposed

merger or acquisition, the relevant product market ("line of commerce") and the relevant

geographic market ("section of the country") must first be established to determine whether the

proposed structural change would substantially lessen competition in that market.

THE RELEVANT PRODUCT MARKET In order for firms to be direct competitors, they must be in

the same market. The U.S. Supreme Court has ruled in the past that the relevant product

market for affiliations of commercial banking organizations is limited to commercial banking.4

Consequently, regulators have assumed that the only direct competitors of commercial banks

are other commercial banks. However, as a result of legislation in the 1980s that expanded the

powers of thrift institutions, thrifts are now assumed to compete with commercial banks to some

degree.

3See Clayton Act, Section 7, 15 U.S.C. 18.

4The U.S. Supreme Court defined the relevant product market for commercial banks for the first time in United States v. Philadelphia National Bank, 374 U.S. 321 (1963), and most recently reaffirmed its earlier definition in United States v. Connecticut National Bank, 418 U.S. 656 (1974).

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THE RELEVANT GEOGRAPHIC MARKET The Federal Reserve Bank of Boston considers a local,

economically integrated area to be a banking market. It assumes that the boundaries of these

markets coincide with the boundaries of mutually exclusive, predefined, economically integrated

regions. A banking organization in a region is assumed to compete directly with all of the other

banking organizations within that region, but not with banking organizations outside the region.

In specifying geographic boundaries of the markets, the Reserve Bank relies heavily on

the geographic delineations of other organizations. Specifically, Ranally Metro Areas (RMAs)

form the basis of market definitions in New England, although Metropolitan Statistical Areas

(MSAs) and Labor Market Areas (LMAs) are also considered.5 An RMA represents the

developed areas around each major U.S. city, as defined by Rand McNally & Company, a

geographic research and mapping company based in Skokie, Illinois. RMAs include one or

more central cities, satellite communities, and suburbs, but unlike MSAs, they are not restricted

to following county boundaries. As a first step in the delineation of each market, a “core area” is

chosen. In urban areas, the RMA is the core area. In nonurban areas, the largest town or the

town with the highest employment is chosen as the core area.

Next, town-to-town commuting data from the Census Bureau are examined for

surrounding towns. Towns or townships contiguous to the core area (first-tier towns) are

included in the same market if 15 percent (20 percent for nonurban areas like Maine) of their

residents commute to the core area for work. Next, towns contiguous to the first-tier towns

(second-tier towns) are included in the market if at least 18 percent (or 23 percent) of their

residents commute to the first-tier or core area for work. Likewise, towns in the next tier are

included in the market if at least 21 percent (or 26 percent) of their residents commute into

towns already included in the market. This process continues as long as the increase in

commutation from the outlying tier to inner tiers is at least 3 percentage points for each

successive tier. Additional economic and geographic factors considered relevant for market

definitions include shopping and entertainment patterns, advertising patterns of financial

institutions, perceptions of area bankers regarding competitors, special characteristics or

services of an area, telephone surveys of area consumers and/or small businesses, and natural

geographic barriers.

5MSAs are defined by the U.S. Office of Management and Budget, using standards developed by the Federal Committee on Standard Metropolitan Statistical Areas. When two or more areas that would otherwise be classified as independent MSAs show close economic and social ties, they are designated PMSAs, or "Primary Metropolitan Statistical Areas," and the larger area of which they are component parts is then called a CMSA, or "Consolidated Metropolitan Statistical Area." LMAs are defined by the Labor Department of each individual New England state.

10

The geographic boundaries of the banking markets have been affected by technological

changes, such as the growth of automated teller machine networks and remote banking

services, and by financial innovations, such as money market funds and deposit brokerage.

Such technological and financial changes can create difficulty in establishing geographic

boundaries that accurately separate groups of banking competitors into distinct geographic

markets. In a 2001 study of the Federal Reserve Board’s 1998 Survey of Consumer Finances,

Amel and Starr-McCluer conclude that although financial institutions face increasing competition

from distant and/or non-depository institutions, consumers still rely predominantly on local

depository institutions for many key banking products. Consequently, they argue, current

market definitions still accurately reflect competitive conditions for these products. 6

WHEN IS COMPETITION SUBSTANTIALLY LESSENED? A document, "U.S. Department of Justice

Merger Guidelines,” 7 (the Guidelines) has provided regulators with a consistent standard by

which to measure the anti-competitive effects of specific horizontal bank mergers and

acquisitions. Recognizing that these horizontal affiliations generally result in the elimination of

some degree of "present" competition in each market in which both of the affiliating banks are

located, the Department of Justice, in forming its guidelines, considered both the increase in

concentration resulting from the merger and the level of concentration in the market after the

merger. In order to measure these values, the Department of Justice uses the Herfindahl-

Hirschman Index (HHI), defined as the sum of the squares of the individual market shares of all

the firms operating in a particular market.8

According to the Guidelines, a bank merger will adversely affect competition if it

increases the HHI by 200 points or more and results in a highly concentrated market. A highly

concentrated market is defined as one for which the total HHI equals 1800 or more. The 200-

point threshold is more lenient than the 50-point threshold applied to other nonbanking firms,

reflecting the impact of competition from thrifts and non-depository financial institutions. The

Guidelines also state that a merger is considered to have an anticompetitive effect if the merged

6 Dean F. Amel and Martha Starr-McCluer, Market Definition in Banking: Recent Evidence (Federal Reserve Board Finance and Economics Discussion Series, April 2001). 7"U.S. Department of Justice Merger Guidelines," June 14, 1984. The sections on horizontal mergers have been superseded by the "Horizontal Merger Guidelines" (http://www.usdoj.gov/atr/public/guidelines/horiz_book/hmg1.html) issued April 2, 1992, and revised April 8, 1997, by the U.S. Department of Justice and the Federal Trade Commission. 8For the purposes of computing a market's HHI, an organization's market share is expressed in percentage terms. Thus, an organization whose deposits constitute 10 percent of the market's total deposits contributes 100 points to the overall HHI level for the market.

11

institution controls more than 35 percent of all deposits in a market.

B. OTHER FACTORS, INCLUDING THRIFT COMPETITION

In analyzing the effect of a merger on competition, the federal banking supervisory

agencies and the Justice Department take into account competition from thrift institutions, which

are now allowed to offer many banking services. However, since thrift competition with banks is

still limited, especially in the area of commercial and industrial lending, deposits of thrift

institutions are counted at 50 percent in computing market concentration. In practice, thrift

deposits may be counted at more or less than 50 percent, depending on how active they are in

commercial and industrial lending.

The regulators do not automatically deny a merger if it results in concentration that is

above the threshold. Instead, each potential merger is analyzed further to consider the

presence of possible mitigating factors, such as especially active competition from thrifts and

credit unions, ease of entry into the market, attractiveness of the market for entry, out-of-market

competition, improvements in efficiency that the merger would achieve, a large number of firms

remaining in the market, and other factors that make coordinated interaction and exercise of

market power more difficult.

If the increase in concentration is too large to be justified by the mitigating factors, the

agencies or the Department of Justice may require divestitures of competing branches and

offices as a condition of approval. Such divestitures would usually bring the concentration under

or very close to the threshold and allow the merger to be approved. The federal banking

supervisory agencies publish orders on specific mergers and acquisitions and provide guidance

from the staff to provide a reasonably clear indication as to which mergers are likely to raise

anticompetitive issues. As a result, while very few mergers are actually denied on competitive

grounds, the process is effective in discouraging many applications that would be judged

anticompetitive.

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II. CHANGES IN NEW ENGLAND

BANKING STRUCTURE

SUMMARY OF CHANGES A. BANK FORMATIONS AND MERGERS

As many banking organizations were formed between May 10, 2001, and April 30, 2004

as were formed during the entire 1999 through 2001 period.9 Nine new commercial banks and

two new thrift institutions began banking operations between May 10, 2001, and April 30, 2004

(Table A), compared with five new commercial banks and six new thrift between May 1, 1999,

and May 9, 2001.

Merger activity over the past two years was higher than during the 1999-2001 period.

Thirty-nine mergers and acquisitions took place in New England between May 10, 2001, and

April 30, 2004 (Table B). By comparison, twenty-six mergers and acquisitions were

consummated during the 1999-2001 period. When considering merger and acquisition activity

excluding consolidations of subsidiaries of the same bank holding company, and excluding bank

and thrift mergers which were part of transactions involving bank holding company mergers,

Connecticut and Massachusetts had the most activity, as a percentage of the initial number of

banking organizations, between May 10, 2001, and April 30, 2004.

Overall, there were 23, or five percent, fewer banking organizations in the six New

9Comparisons are made to the period covered in Banking Structure in New England 1999-2001: May 1, 1999, to May 9, 2001.

13

England states as of June 30, 2004, than as of June 30, 2001. The largest decline was in New

Hampshire, which had 12 percent fewer banking organizations on June 30, 2004, than on June

30, 2001 (Chart 1).

B. CHANGES IN DEPOSITS

Total commercial bank and thrift deposits in New England increased by 18 percent, from

$263.1 billion to $321.5 billion between, June 30, 2001, and June 30, 2004. All six of the New

England states experienced positive total banking deposit growth over this period (Chart 2).

During the period June 30, 2001, to June 30, 2004, total deposits at New England's

commercial banks increased by 26 percent, from $151.2 billion to $203.8 billion (Chart 3).

Among the New England states, Connecticut experienced the largest increase in commercial

deposits, 40 percent (from $25.6 billion to $42.7 billion), while New Hampshire saw the only

decline in commercial deposits, 13 percent (from $21.1 billion to $18.8 billion). During the same

period, deposits in New England's thrift institutions increased by five percent, from $111.9 billion

to $117.8 billion. Among the New England states, New Hampshire experienced the largest

increase in thrift deposits, 25 percent (from $7.9 billion to $10.6 billion), while Vermont saw the

largest decline in thrift deposits, 55 percent (from $1.8 billion to $1.2 billion).

Deposits at the ten largest banking organizations in New England increased by 21.5

percent between June 30, 2001, and June 30, 2004, from $150.4 billion to $191.6 billion. Over

the same period, deposits in the rest of New England’s banking organizations rose 13 percent,

from $112.0 billion to $129.9 billion. As of June 30, 2004, the ten largest institutions accounted

for 59.6 percent of total New England deposits, compared with 57.1 percent on June 30, 2001

(Chart 4).

C. BANK FAILURES

Between May 10, 2001, and April 30, 2004, one commercial bank and one thrift institution (both

based in Connecticut) failed in New England. Comparatively, one commercial bank failed

during the 1999 – 2001 period, and three commercial banks failed between 1996 and 1999.

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TABLE A

New Banks and Thrift Institutions Opened May 10, 2001 – April 30, 2004

New Banks and

Thrifts New Thrifts

New Commercial

Banks

Connecticut 5 1 4

Maine 2 0 2

Massachusetts 1 0 1

New Hampshire 0 0 0

Rhode Island 3 1 2

Vermont 0 0 0

TOTAL 11 2 9 New England

TABLE B

Merger and Acquisition Activity by State* May 10, 2001 – April 30, 2004

Number of Mergers and Acquisitions**

Initial Number of Bank and Thrift

Organizations***

Mergers as a % of Number of

Organizations

Connecticut 11 78 14.1%

Maine 3 40 7.5%

Massachusetts 21 227 9.3%

New Hampshire 3 42 7.1%

Rhode Island 1 17 5.9%

Vermont 0 23 0.0%

TOTAL 39 427 9.1% New England

* Interstate acquisitions are recorded as occurring in the state of the bank being acquired. ** Excludes mergers between subsidiaries of the same bank holding company and bank and thrift mergers that were part of transactions involving bank holding company mergers. *** Organizations with a presence in the state, not organizations headquartered in the state.

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Chart 1

Chart 2

Number of Banking Instiutions in New England

78

40

227

42

1723

74

39

221

40

1924

73

39

216

39

21 24

71

39

211

37

22 24

0

50

100

150

200

250

CT ME MA NH RI VTStates

6/30/2001

6/30/2002

6/30/2003

6/30/2004

Number of Institutions

Banking Deposits in New England

14

29

158

64

15

29

168

16

30

18

917

29

20

9

60

137

153

70

172

74

173

$-

$20

$40

$60

$80

$100

$120

$140

$160

$180

CT ME MA NH RI VTStates

Deposits ($ billions)

6/30/2001

6/30/2002

6/30/2003

6/30/2004

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Chart 3

Chart 4a

Market Share of Top Ten Banking Institutions in New EnglandJune 30, 2001

New England Commercial Bank and Thrift Deposits

$-

$50

$100

$150

$200

$250

$300

$350

2001 2002 2003 2004

Year

Billions ($)

Thrifts

Commercial Banks

1.7%

3.0%2.6%

1.5%

42.9% 57.1%

20.9%

8.9%5.1%4.7%4.4%

4.3%

Remaining InstitutionsFleetBostonRoyal Bank of ScotlandProvidian FinancialState StreetBanknorth GroupSovereign BancorpPeople's Mutual Holding Co.Webster FinancialFirst UnionMellon Financial

17


Chart 4c

Chart 4b


19.4%

41.7% 58.3%9.8%

6.5%5.1%4.3% 4.1%

2.9% 2.5%1.9%

1.7%

Remaining Institutions

FleetBoston

Royal Bank of Scotland

State Street

Banknorth Group

Providian Financial

Sovereign Bancorp

People's Mutual Holding Co.

Webster Financial

Mellon Financial

Wachovia Corporation

2.8%2.6%2.0%

1.7%

39.7% 60.3%

20.8%

11.2%

5.7%5.4% 4.6%

3.5%


FleetBoston


State Street

Banknorth Group

Sovereign Bancorp

Providian Financial


Webster Financial

Mellon Financial


18


Chart 4d

2.8%

1.8%2.1%

2.8%3.3%

40.4% 59.6%

19.6%

12.4%

5.7%4.6% 4.4%


Bank of America


Banknorth Group

State Street

Sovereign Bancorp Inc.

Webster Financial

Providian Financial


Mellon Financial


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BANKING STRUCTURE CHANGE TABLES

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New England Banking Structure Changes, Table 1 NEW ENGLAND BANK HOLDING COMPANY ACQUISITIONS, BANK MERGERS, AND THRIFT ACQUISITIONS, 5/10/01-4/30/04 Name of Acquiring Organization

Name of Acquired Organization Completion Date Comments CONNECTICUT The New Haven Savings Bank The Savings Bank of Manchester 04/01/04 Effective April 1, 2004, The Savings Bank of Manchester, Manchester, CT, merged with The New Haven Savings Bank, New Haven, CT, under the new title and charter of NewAlliance Bank. The New Haven Savings Bank Tolland Bank 04/01/04 Effective April 1, 2004, Tolland Bank, Vernon, CT, merged with The New Haven Savings Bank, New Haven, CT, under the title and charter of NewAlliance Bank. The Prudential Savings Bank, FSB CIGNA Bank and Trust Company 04/01/04 Effective April 1, 2004, CIGNA Bank and Trust, Hartford, CT, merged with The Prudential Savings Bank, Atlanta, GA, under the new title and charter of Prudential Bank and Trust, FSB. Fairfield County Bank Ridgefield Bank 01/01/04 Effective January 1, 2004, Ridgefield Bank, Ridgefield, CT, merged with Fairfield County Savings Bank under the title and charter of Fairfield County Bank. Enfield Federal Savings & Loan Association, Enfield Windsor Locks community Bank, Windsor Locks 12/13/03 Effective at the opening of business

December 13, 2003, Windsor Locks Community Bank, Windsor Locks, merged with Enfield Federal Savings & Loan Association, Enfield, under the charter and title of Enfield Federal Savings & Loan Association.

Webster Bank, Waterbury The North American Bank & Trust Company, Waterbury 11/07/03 Effective at the close of business November 7, 2003, The

North American Bank & Trust Company, Waterbury, merged with Webster Bank, Waterbury under the charter and title of Webster Bank.

Banknorth Group, Inc., Portland, ME American Savings Bank, New Britain 02/14/03 Effective close of business February 14, 2003, American

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Savings Bank, New Britain, CT, merged with Banknorth, NA, Portland, ME, under the charter and title of Banknorth, NA.

Banknorth Group, Inc., Portland, ME Bancorp Connecticut, Southington 09/03/02 On September 3, 2002, Banknorth Group, Inc., Portland, ME, acquired Bancorp Connecticut, Southington, CT. American Savings Bank, New Britain American Bank of Connecticut, Waterbury 01/22/02 Effective opening of business, January 22, 2002, American Bank of Connecticut, Waterbury, CT, merged with American Savings Bank, New Britain, CT, under the charter and title of American Savings Bank. Park West Bank & Trust Company, West Springfield, MA Cargill Bank, Putnam 09/07/01 Merger of subsidiaries of Westbank Corporation, West Springfield, MA. Effective close of business September 7, 2001, Cargill Bank, Putnam, CT, merged with Park West Bank & Trust Company, West Springfield, MA, under the charter of Park West Bank & Trust Company. The new title of the surviving bank is WestBank. Savings Bank of Manchester, The, Manchester First Federal S & LA of East Hartford, East Hartford 09/01/01 Effective opening of business September 1, 2001, First Federal S & L A of East Hartford, East Hartford, CT, merged with The Savings Bank of Manchester, Manchester, CT, under the charter and title of The Savings Bank of Manchester. Hudson United Bank, Mahwah, NJ First International Bank, Hartford 08/08/01 Effective opening of business August 8, 2001, Hudson United Bank, Mahwah, NJ, purchased only the deposits (not the office space) from First International Bank, Hartford, CT. Liberty Bank, Middletown Hometown Bank, Moodus 06/30/01 Effective opening of business June 30, 2001, Hometown Bank, Moodus, CT, merged with Liberty Bank, Middletown, CT, under the charter and title of Liberty Bank. MAINE Chittenden Corporation, Burlington, VT Ocean National Corp, Kennebunk 02/28/02 On February 28, 2002, Chittenden Corporation, Burlington, VT, acquired Ocean National Corporation, Kennebunk, ME. Banknorth, NA, Portland Bank of New Hampshire, NA, Portland 01/01/02 Effective opening of business January 1, 2002, Bank of New Hampshire, NA, Portland, ME, merged with Banknorth, NA, Portland, ME, under the charter and title of Banknorth, NA. The transaction represents a merger of subsidiaries of Banknorth Group, Inc., Portland, ME.

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Norway Savings Bank, Norway Coastal Bank, Portland 09/01/01 Effective opening of business September 1, 2001, Coastal Bank, Portland, ME, merged with Norway Savings Bank, Norway, ME, under the charter and title of Norway Savings Bank. Gardiner Savings Institution, FSB, Gardiner

Augusta Federal Savings Bank, Augusta 05/19/01 Effective opening of business, May 19, 2001, Augusta Federal Savings Bank, Augusta, ME merged with Gardiner Savings Institution FSB, Gardiner, ME, under the charter and title of Gardiner Savings Institution, FSB.

MASSACHUSETTS Banknorth, National Association Cape Cod Bank & Trust, National Association 04/30/04 Effective April 30, 2004, Cape Cod Bank & Trust, NA, Hyannis, MA, merged with Banknorth, NA, Portland, ME, under the title and charter of Banknorth, NA. Banknorth, National Association Foxborough Savings Bank 04/30/04 Effective April 30, 2004, Foxborough Savings Bank, Foxborough, MA, merged with Banknorth, NA, Portland, ME, under the title and charter of Banknorth, NA. Seacoast Financial Abington Bancorp, Inc. 04/29/04 Effective April 29, 2004, Abington Bancorp, Weymouth, MA, merged with Seacoast Financial, New Bedford, MA, under the title and charter of Seacoast Financial. Bank of America Corporation FleetBoston Financial Corporation 04/01/04 Effective April 1, 2004, FleetBoston Financial, Boston, MA, merged with Bank of America, Charlotte, NC, under the title and charter of Bank of America. South Shore Savings Bank Horizon Bank and Trust Company 02/19/04 Effective close of business February 19, 2004, Horizon Bank and Trust Company, Braintree, MA, merged with South Shore Savings Bank, Weymouth, MA, under the title and charter of South Shore Savings Bank. Sovereign Bancorp First Essex Bank, Lawrence, MA 02/06/04 Effective close of business February 6, 2004, First Essex Bank, Lawrence, MA, merged with Sovereign Bank, Wyomissing, PA, under the title and charter of Sovereign Bank.

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Boston Federal Savings Bank, Burlington Broadway National Bank of Chelsea, Chelsea 12/31/03 Effective at the opening of business December 31, 2003,

Broadway National Bank of Chelsea, Chelsea, merges with Boston Federal Savings Bank, Burlington, under the charter and title of Boston Federal Savings Bank. The transaction represents the merger of the subsidiaries of BostonFed Bancorp, Inc, Burlington.

Citizens Bank of Massachusetts, Boston Community National Bank, Hudson 11/01/03 Effective at the opening of business November 1, 2003,

Community National Bank, Hudson, merged with Citizens Bank of Massachusetts, Boston, under the charter and title of Citizens Bank of Massachusetts.

Auburndale Co-operative Bank, Newton Newton South Co-operative Bank, Newton 09/22/03 Effective at the opening of business September 22, 2003, Newton South Co-operative Bank, Newton, merged with Auburndale Co-operative Bank, Newton, under the

charter of Auburndale Co-operative Bank. The new title of the bank is The Village Bank.

Citizens Bank of Massachusetts, Boston Cambridgeport Bank, Cambridge 08/01/03 Effective at the opening of business August 1, 2003, Cambridgeport Bank, Cambridge, merged with Citizens

Bank of Massachusetts, Boston, under the charter and title of Citizens Bank of Massachusetts.

Compass Bank for Savings, New Bedford Bay State Federal Savings Bank, Brookline 05/31/03 Effective close of business May 31, 2003, Bay State

Federal Savings Bank, Brookline, merged with Compass Bank for Savings, New Bedford, under the charter and title of Compass Bank for Savings.

Banknorth Group, Inc., Portland, ME Warren Five Cents Savings Bank, Peabody 12/31/02 Effective close of business December 31, 2002, Warren Five Cents Savings Bank, Peabody, MA, merged with Banknorth, NA, Portland, ME, under the charter and title of Banknorth, NA. Eastern Bank, Boston Eastern Bank & Trust Company, Salem 11/22/02 Effective close of business November 22, 2002 Eastern Bank & Trust Company, Salem, MA, merged with Eastern Bank, Boston, MA, under the charter and title of Eastern Bank. The transaction represents a merger of subsidiaries of Eastern Bank Corporation, Lynn, MA. Citizens Bank of Massachusetts, Boston Medford Savings Bank, Medford 10/15/02 Effective close of business October 15, 2002, Medford Savings Bank, Medford, MA, merged with Citizens Bank of Massachusetts, Boston, MA.

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Abington Savings Bank, Abington Massachusetts Co-operative Bank, Quincy 09/13/02 Effective close of business September 13, 2002, Massachusetts Co-operative

Bank, Quincy, MA, merged with Abington Savings Bank, Abington, MA, under the charter and title of Abington Savings Bank.

Banknorth Group, Inc., Portland, ME Ipswich Bancshares, Ipswich 07/27/02 On July 27, 2002, Banknorth Group, Inc., Portland, ME, acquired Ipswich Bancshares, Ipswich, MA. Hoosac Financial Services, North Adams Williamstown Mutual Holding Company, Williamstown 05/02/02 On May 2, 2002, Hoosac Financial Services Inc, North Adams, MA, acquired Williamstown MHC, Williamstown, MA. The new name will be MountainOne Financial Partners, MHC. Firstfed America Bancorp, Swansea People’s Bancshares, Inc., New Bedford 03/01/02 On March 1, 2002, Firstfed America Bancorp, Inc., Swansea, MA, acquired People’s Bancshares, Inc., New Bedford, MA. First Federal Savings Bank of America, Swansea People’s Savings Bank of Brockton, South Easton 03/01/02 Effective at the opening of business on March 1, 2002, People’s Savings Bank of Brockton, South Easton, MA, merged with First Federal Savings Bank of America, Swansea, MA, under the charter and title of First Federal Savings Bank of America. General Bank, Los Angeles, CA Liberty Bank & Trust Company, Boston, MA 03/01/02 Effective at the opening of business on March 1, 2002, Liberty Bank & Trust Company, Boston, MA, merged with General Bank, Los Angeles, CA, under the charter and title of General Bank. Banknorth, NA, Portland, ME Andover Bank, Andover First Massachusetts Bank, NA, Worcester Gloucester Bank & Trust Company, Gloucester 01/01/02 Effective opening of business January 1, 2002, Andover Bank Andover, MA; First Massachusetts Bank, NA, Worcester, MA; and Gloucester Bank & Trust Company, Gloucester, MA, merged with Banknorth, NA, Portland, ME, under the charter and title of Banknorth, NA. The transaction represents a merger of subsidiaries of Banknorth Group, Inc., Portland, ME. City Savings Bank, Pittsfield Lenox Savings Bank, Lenox 01/01/02 Effective opening of business January 1, 2002, Lenox Savings Bank, Lenox, MA, merged with City Savings Bank, Pittsfield, MA, under the charter and title of City Savings Bank. The new name will be Legacy Banks. The

25

transaction represents a merger of subsidiaries of Mutual Bancorp of the Berkshires, Inc., Pittsfield, MA. First Massachusetts Bank, NA, Worcester MetroWest Bank, Framingham 11/01/01 Effective opening of business November 1, 2001, MetroWest Bank,

Framingham, MA, merged with First Massachusetts Bank, NA. Worcester, MA, under the charter and title of First Massachusetts Bank, NA. The transaction represents a merger of subsidiaries of Banknorth Group, Inc., Portland, ME.

Banknorth Group, Inc., Portland, ME Andover Bancorp, Andover 10/31/01 On October 31, 2001, Banknorth Group, Inc., Portland, ME, acquired Andover Bancorp, Inc., Andover, MA. Danvers Savings Bank, Danvers Revere Federal S & LA, Revere 09/26/01 Effective close of business September 26, 2001, Revere Federal S & LA, Revere, MA, merged with Danvers Savings Bank, Danvers, MA, under the charter and title of Danvers Savings Bank. Brookline Savings Bank, Brookline Lighthouse Bank, Waltham 07/17/01 Effective opening of business July 17, 2001, Lighthouse Bank, Waltham, MA, merged with Brookline Savings Bank, Brookline, MA, under the charter and title of Brookline Savings Bank. NEW HAMPSHIRE Banknorth, National Association, Portland, ME First and Ocean National Bank, Seabrook 12/31/03 Effective at the close of business December 31, 2003,

First and Ocean National Bank, Seabrook, merged with Banknorth, National Association, Portland, ME, under the charter and title of Banknorth, National Association.

Providian National Bank, Tilton Providian Bank, Salt Lake City, UT 12/31/03 Effective at the opening of business December 31, 2003, Providian Bank, Salt Lake City, UT, merged with

Providian National Bank, Tilton, under the charter and title of Providian National Bank. The transaction represents a merger of the subsidiaries of Providian Corporation, Louisville, KY.

Chittenden Corporation, Burlington, VT Granite State Bankshares, Keene 02/28/03 On February 28, 2003, Chittenden Corporation,

Burlington, VT, acquired Granite State Bankshares, Keene, and its subsidiary Granite Bank.

Passumpsic Savings Bank, St. Johnsbury, VT Passumpsic Bank, FSB, Littleton, NH 01/01/02 Effective opening of business January 1, 2002, Passumpsic Bank, FSB, Littleton, NH, merged with Passumpsic Savings Bank, St. Johnsbury, VT, under the charter and title of

26

Passumpsic Savings Bank. RHODE ISLAND The Washington Trust Company of Westerly, Westerly First Bank and Trust Company, Providence 04/17/02 Merger of subsidiaries of Washington Trust Bancorp Inc, effective opening of business April 17, 2002, First Bank & Trust Company, Providence, RI merged with The Washington Trust Company of Westerly, Westerly, RI under the charter and title of The Washington Trust Company of Westerly. Washington Trust Bancorp Inc, Westerly First Financial Corp, Providence 04/16/02 On April 16, 2002, Washington Trust Bancorp Inc, Westerly, RI, acquired First Financial Corp, Providence, RI and its subsidiary First Bank and Trust Company.

VERMONT Union Bankshares, Morrisville Union Bank, Morrisville Citizens Savings Bank & Trust, St. Johnsbury 05/17/03 Effective opening of business May 17, 2003, Citizens

Savings Bank & Trust Company, St. Johnsbury, merged with Union Bank, Morrisville, under the charter and title

of Union Bank. The transaction represents a merger of the subsidiaries of Union Bankshares, Morrisville

Banknorth, NA, Portland, ME First Vermont Bank, NA, Brattleboro Franklin-Lamoille Bank, NA, St. Albans Howard Bank, NA, Burlington 01/01/02 Effective opening of business January 1, 2002, First Vermont Bank, NA, Brattleboro; Franklin-Lamoille Bank, NA, St. Albans; and Howard Bank, NA, Burlington, merged with Banknorth, NA, Portland, ME, under the charter and title of Banknorth, NA. The transaction represents a merger of subsidiaries of Banknorth Group, Inc., Portland, ME.

27

New England Banking Structure Changes, Table 2

NEW ENGLAND BANK AND THRIFT HOLDING COMPANY FORMATIONS, 5/10/01-4/30/04 Name of Newly Formed Bank Holding Company Name of Subsidiary Bank Completion Date

CONNECTICUT Putnam Bancorp MHC, Inc., Putnam Putnam Savings Bank, Putnam 05/27/03 Southern Connecticut Bancorp, New Haven Bank of Southern Connecticut, The, New Haven 10/01/01 MAINE None. MASSACHUSETTS NewAlliance Bancshares, Inc. NewAlliance Bank 04/01/04 Hampden Bancorp, MHC Hampden Bank 03/23/04 Ponkapoag/Massapoag MHC The Bank of Canton 03/19/04 South Shore Bancorp, MHC South Shore Savings Bank 02/19/04 Siwooganock Holding Company, Inc. Siwooganock Bank 12/31/03 Clinton Financial Services, MHC, Clinton Clinton Savings Bank, Clinton 11/01/03 Beverly Financial, MHC, Beverly Beverly Co-operative Bank, Beverly 10/24/03 Peoples Bancorp, MHC, Holyoke PeoplesBank (Peoples Savings Bank), Holyoke 10/01/03 Bridgewater Financial, MHC, Raynham Bridgewater Savings Bank, Raynham 05/06/03 Randolph Bancorp, Randolph Randolph Savings Bank, Randolph 11/01/02 South Coastal Holdings MHC, Rockland South Coastal Bank, Rockland 06/06/02 Williamstown MHC, Williamstown Williamstown Savings Bank, Williamstown 05/01/02 LSB Corporation, North Andover Lawrence Savings Bank, North Andover 07/01/01 NEW HAMPSHIRE Monadnock Community Bancorp, MHC Monadnock Community Bank 04/01/04 RHODE ISLAND None. VERMONT None.

28

New England Banking Structure Changes, Table 3 NEW FULL-SERVICE COMMERCIAL BANKS AND THRIFTS ESTABLISHED IN NEW ENGLAND, 5/10/01-4/30/04 Name of New Institution Type of Institution Comments CONNECTICUT Connecticut Bank and Trust Company State chartered, commercial bank, Fed member 03/12/04 Connecticut River Community Bank State-chartered, nonmember, commercial bank 11/18/02 Bank of New Canaan, The, New Canaan State-chartered, nonmember, commercial bank 04/22/02 Bank of Southern Connecticut, The, New Haven State-chartered, nonmember, commercial bank 10/01/01 Cigna Bank & Trust Company, FSB, Hartford Federally chartered savings bank 07/25/01 MAINE Rivergreen Bank State-chartered, nonmember, commercial bank 03/13/03 MASSACHUSETTS Leader Bank, Arlington Full service, nationally chartered, member bank 05/08/02 Commonwealth National Bank, Worcester Full service, independent, member bank 11/19/01 NEW HAMPSHIRE None. RHODE ISLAND Independence Bank, East Greenwich State-chartered, nonmember, commercial bank 03/25/03 Freedom National Bank, Greenville Nationally chartered member bank 11/29/01 Union Federal Savings Bank, North Providence Federally chartered savings bank 11/12/01 VERMONT None.

29

New England Banking Structure Changes, Table 4 NAME AND CHARTER CHANGES OF NEW ENGLAND BANKS, THRIFTS, AND BANK AND THRIFT HOLDING COMPANIES, 5/10/01-4/30/04 Former Name of Institution New Name of Institution, if changed Effective Date Former charter, if changed New charter, if changed CONNECTICUT The New Haven Savings Bank NewAlliance Bank 04/01/04 federal charter, stock ownership state charter, stock ownership Fairfield County Savings Bank Fairfield County Bank 01/01/04 Westport National Bank, Westport Connecticut Community Bank, National Association 12/01/03 Naugatuck Valley Savings and Loan Association Naugatuck Valley Savings and Loan, S.B. 01/27/03 Mutual S&L Association Mutual savings bank Windsor Locks S & L Association, Inc., Windsor Locks Windsor Locks Community Bank, FSL, Windsor Locks 04/01/02 State-chartered mutual S & L Association Federally chartered mutual S & L Association Eastern Savings and Loan, Norwich Eastern Federal Bank 01/02/02 State-chartered mutual S&L Association Federally chartered mutual savings bank First International Bank, Hartford State-chartered depository bank State-chartered, non-depository, uninsured bank 08/08/01 MAINE Peoples Heritage Bank, NA Banknorth, NA 01/01/02 Ocean National Bank of Kennebunk, The, Kennebunk Ocean National Bank 09/01/01 MASSACHUSETTS Webster Bank Webster Bank 04/21/04 federal charter, stock, savings bank National Association Hampden Savings Bank Hampden Bank 04/01/04 The Canton Institution for Savings The Bank of Canton 03/19/04

30

United Co-operative Bank United Bank 02/20/04 state, regulated by OTS federal, regulated by OTS U.S. Trust Company of Boston, Boston Boston Trust & Investment Management Company 10/29/03 Boston Safe & Deposit Trust Co., Boston Mellon Trust of New England, N.A. State chartered member bank Nationally chartered member bank 09/15/03 Brookline Savings Bank, Brookline Brookline Bank 01/17/03 Easton Co-Operative Bank, North Easton Bank of Easton, A Cooperative Bank 07/15/02 Brookline Savings Bank, Brookline State-chartered savings bank Federally chartered savings bank 07/17/01 NEW HAMPSHIRE None. RHODE ISLAND None. VERMONT None.

31

New England Banking Structure Changes, Table 5 NEW ENGLAND BANK AND THRIFT FAILURES AND CLOSINGS, 5/10/01 – 4/30/04 ______________________________________________________________________________________________________________________________________________ Name of Institution Type of Institution Comments ______________________________________________________________________________________________________________________________________________ CONNECTICUT The Hartford Bank, Hartford Savings Bank Effective opening of business July, 22, 2002, The Hartford Bank, Hartford, CT, voluntarily liquidated. Connecticut Bank of Commerce, Stamford Commercial Bank Effective June 26, 2002, Connecticut Bank of Commerce was placed in receivership of the FDIC. Hudson United Bank, Mahwah, NJ, purchased certain assets and assumed the insured deposits. MAINE None. MASSACHUSETTS None. NEW HAMPSHIRE None. RHODE ISLAND None. VERMONT None.

32

III. NEW ENGLAND

DEPOSITORY INSTITUTIONS

33

NEW ENGLAND BANKING TABLE

34

DepositsInstitution City State Rank Percent

Commercial Banking and Thrift Organizations Operating In New EnglandDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04

BANK OF AMERICA CORPORATION CHARLOTTE NC $63,159.941 19.64

Fleet National Bank Providence RI $63,078.46

Fleet Bank (RI), Nationa Providence RI $80.44

Fleet Maine, National As South Portland ME $1.05

ROYAL BANK OF SCOTLAND GROUP PLC, THE

EDINBURGH $40,022.852 12.45

Citizens Bank of Massach Boston MA $22,224.16

Cambridge Trust Company Cambridge MA $652.45

Boston Trust & Investmen Boston MA $1.50

Citizens Bank of Rhode I Providence RI $8,246.05

Citizens Bank New Hampsh Manchester NH $5,942.81

Citizens Bank of Connect New London CT $2,955.89

BANKNORTH GROUP, INC. PORTLAND ME $18,432.593 5.73

BankNorth, National Asso Portland ME $18,432.59

STATE STREET CORPORATION BOSTON MA $14,881.964 4.63

State Street Bank and Tr Boston MA $14,881.96

SOVEREIGN BANCORP, INC. WYOMISSING PA $14,028.205 4.36

Sovereign Bank Wyomissing PA $1,564.42


Sovereign Bank Wyomissing PA $950.40


WEBSTER FINANCIAL CORPORATION WATERBURY CT $10,588.696 3.29

Webster Bank, National A Waterbury CT $10,588.69

PROVIDIAN NATIONAL BANK TILTON NH $9,117.577 2.84

PEOPLE'S MUTUAL HOLDINGS BRIDGEPORT CT $8,955.718 2.79

People's Bank Bridgeport CT $8,955.71

MELLON FINANCIAL CORPORATION PITTSBURGH PA $6,658.049 2.07

Mellon Trust of New Engl Boston MA $6,658.04

WACHOVIA CORPORATION CHARLOTTE NC $5,758.2310 1.79

Wachovia Bank, National Charlotte NC $5,758.23

INVESTORS FINANCIAL SERVICES CORP. BOSTON MA $5,017.9211 1.56

Investors Bank & Trust C Boston MA $5,017.92

CHITTENDEN CORPORATION BURLINGTON VT $4,996.3112 1.55

Chittenden Trust Company Burlington VT $2,551.16

Ocean National Bank Kennebunk ME $1,243.16

The Bank of Western Mass Springfield MA $496.30

Flagship Bank and Trust Worcester MA $446.64

Maine Bank & Trust Compa Portland ME $259.05

NEWALLIANCE BANCSHARES, INC. NEW HAVEN CT $4,124.8013 1.28

NewAlliance Bank New Haven CT $4,124.80

EASTERN BANK CORPORATION BOSTON MA $3,781.0714 1.18

Eastern Bank Boston MA $3,781.07

SEACOAST FINANCIAL SERVICES CORPORATION

NEW BEDFORD MA $3,673.9015 1.14

Compass Bank for Savings New Bedford MA $3,326.71

Nantucket Bank Nantucket MA $347.18

MIDDLESEX SAVINGS BANK NATICK MA $2,732.5216 0.85

J.P. MORGAN CHASE & CO. NEW YORK NY $2,630.0917 0.82

J. P. Morgan Trust Compa Los Angeles CA $0.00

JPMorgan Chase Bank New York City NY $2,630.09

KEYCORP CLEVELAND OH $2,402.2418 0.75

Keybank National Associa Cleveland OH $2,402.24

INDEPENDENT BANK CORP. ROCKLAND MA $1,999.5719 0.62

Rockland Trust Company Rockland MA $1,999.57

LIBERTY BANK MIDDLETOWN CT $1,794.2120 0.56

CAMBRIDGE FINANCIAL GROUP, INC. CAMBRIDGE MA $1,644.5521 0.5135



Cambridge Savings Bank Cambridge MA $1,644.55

HUDSON UNITED BANCORP MAHWAH NJ $1,615.5822 0.50

Hudson United Bank Mahwah NJ $1,615.58

CHARTER ONE FINANCIAL, INC. CLEVELAND OH $1,384.8423 0.43

Charter One Bank, Nation Cleveland OH $1,384.84

BOSTON PRIVATE FINANCIAL HOLDINGS, INC.

BOSTON MA $1,371.2024 0.43

Boston Private Bank & Tr Boston MA $1,371.20

WASHINGTON TRUST BANCORP, INC. WESTERLY RI $1,343.5725 0.42

The Washington Trust Com Westerly RI $1,343.57

BANGOR SAVINGS BANK BANGOR ME $1,273.1426 0.40

CENTURY BANCORP, INC. MEDFORD MA $1,268.1627 0.39

Century Bank and Trust C Somerville MA $1,268.16

SALEM FIVE CENTS SAVINGS BANK SALEM MA $1,219.4228 0.38

BOSTONFED BANCORP, INC. BURLINGTON MA $1,212.7729 0.38

Boston Federal Savings B Burlington MA $1,212.77

THE CAPE COD FIVE CENTS SAVINGS BANK

HARWICH PORT MA $1,150.9530 0.36

PLYMOUTH BANCORP, INC. WAREHAM MA $1,054.8631 0.33

Plymouth Savings Bank Wareham MA $1,054.86

METLIFE, INC. NEW YORK NY $1,022.0432 0.32

Metlife Bank, National A Bridgewater NJ $1,022.04

CITIGROUP INC. NEW YORK NY $1,009.8833 0.31

Citibank, Federal Saving Reston VA $1,009.88

CAMDEN NATIONAL CORPORATION CAMDEN ME $970.7334 0.30

The Camden National Bank Camden ME $683.95

UnitedKingfield Bank Bangor ME $286.78

WATERTOWN SAVINGS BANK WATERTOWN MA $934.2835 0.29

UNION SAVINGS BANK DANBURY CT $932.2036 0.29

FAIRFIELD COUNTY BANK CORP. RIDGEFIELD CT $890.1837 0.28

BANCORP RHODE ISLAND, INC. PROVIDENCE RI $888.2438 0.28

Bank Rhode Island Providence RI $888.24

MASSBANK CORP. READING MA $865.6539 0.27

MassBank Reading MA $865.65

BERKSHIRE HILLS BANCORP PITTSFIELD MA $854.9040 0.27

Berkshire Bank Pittsfield MA $854.90

MERCHANTS BANCSHARES INC. BURLINGTON VT $818.0441 0.25

The Merchants Bank Burlington VT $818.04

CAPITAL CROSSING BANK BOSTON MA $798.5842 0.25

DEDHAM INSTITUTION FOR SAVINGS DEDHAM MA $762.3143 0.24

DANVERS BANCORP, INC. DANVERS MA $755.7144 0.24

Danvers Savings Bank Danvers MA $755.71

ENTERPRISE BANCORP, INC. LOWELL MA $736.0145 0.23

Enterprise Bank and Trus Lowell MA $736.01

BROOKLINE BANCORP, MHC BROOKLINE MA $732.8846 0.23

Brookline Bank Brookline MA $732.88

FIRST COUNTY BANK STAMFORD CT $731.8147 0.23

BANK OF NEWPORT NEWPORT RI $676.2348 0.2136



COUNTRY BANK FOR SAVINGS WARE MA $673.9649 0.21

BEACON BANCORP TAUNTON MA $659.1750 0.21

Bristol County Savings B Taunton MA $640.95


MERIDIAN FINANCIAL SERVICES, INC EAST BOSTON MA $649.3151 0.20

East Boston Savings Bank Boston MA $649.31

HYDE PARK SAVINGS BANK BOSTON MA $647.9652 0.20

CHARTER OAK COMMUNITY BANK CORP. ROCKVILLE CT $631.9353 0.20

Rockville Bank Vernon Rockville CT $631.93

SOUTH SHORE BANCORP MHC SOUTH WEYMOUTH MA $629.1154 0.20

South Shore Savings Bank Weymouth MA $629.11

FARMINGTON SAVINGS BANK FARMINGTON CT $626.4555 0.19

WESTFIELD MUTUAL HOLDING COMPANY WESTFIELD MA $620.9756 0.19

Westfield Bank Westfield MA $620.97

LSB FINANCIAL LACONIA NH $607.6557 0.19

Laconia Savings Bank Laconia NH $607.65

UNITED BANK WEST SPRINGFIELD

MA $604.1258 0.19

BANK OF NEW YORK COMPANY, INC., THE NEW YORK NY $602.1459 0.19

The Bank of New York New York City NY $602.14

FLORENCE SAVINGS BANK FLORENCE MA $594.3760 0.18

NEWMIL BANCORP, INC. NEW MILFORD CT $586.9261 0.18

NewMil Bank New Milford CT $586.92

WESTBANK CORPORATION WEST SPRINGFIELD

MA $584.5362 0.18

Westbank West Springfield MA $584.53

PEOPLESBANCORP, MHC HOLYOKE MA $584.5063 0.18

PeoplesBank Holyoke MA $584.50

THE LOWELL FIVE CENT SAVINGS BANK LOWELL MA $583.5264 0.18

UFS BANCORP WHITINSVILLE MA $582.3765 0.18

UniBank for Savings Whitinsville MA $582.37

COMMERCE BANCSHARES CORP. WORCESTER MA $578.7666 0.18

Commerce Bank & Trust Co Worcester MA $578.76

CENTREVILLE SAVINGS BANK WEST WARWICK RI $546.9567 0.17

EAST CAMBRIDGE SAVINGS BANK CAMBRIDGE MA $543.1668 0.17

MASCOMA MUTUAL HOLDING COMPANY LEBANON NH $541.4169 0.17

Mascoma Savings Bank Lebanon NH $363.86


THE CHELSEA GROTON SAVINGS BANK NORWICH CT $540.7770 0.17

KENNEBUNK SAVINGS BANK KENNEBUNK ME $533.2071 0.17

THE TORRINGTON SAVINGS BANK TORRINGTON CT $530.6372 0.17

NORWAY BANCORP, MHC NORWAY ME $515.0973 0.16

Norway Savings Bank Norway ME $515.09

NAUGATUCK SAVINGS BANK NAUGATUCK CT $496.2774 0.15

EASTHAMPTON SAVINGS BANK EASTHAMPTON MA $490.2775 0.15

NORTHWAY FINANCIAL, INC. BERLIN NH $479.2576 0.15

37



The Berlin City Bank Berlin NH $297.32

The Pemigewasset Nationa Plymouth NH $181.93

NEWTOWN SAVINGS BANK NEWTOWN CT $472.1377 0.15

WAINWRIGHT BANK & TRUST COMPANY BOSTON MA $464.9778 0.14

GARDINER SAVINGS INSTITUTION, FSB GARDINER ME $462.4879 0.14

NEW HAMPSHIRE THRIFT BANCSHARES NEWPORT NH $458.1880 0.14

Lake Sunapee Bank, FSB Newport NH $458.18

WORONOCO BANCORP, INC. WESTFIELD MA $456.0981 0.14

Woronoco Savings Bank Westfield MA $456.09

PONKAPOAG BANCORP, MHC CANTON MA $453.4882 0.14

The Bank of Canton Canton MA $453.48

SI BANCORP, INC. WILLIMANTIC CT $444.6583 0.14

Savings Institute Willimantic CT $444.65

MUTUAL BANCORP OF THE BERKSHIRES, INC.

PITTSFIELD MA $439.4884 0.14

Legacy Banks Pittsfield MA $439.48

THE VILLAGE BANK AUBURNDALE MA $430.8385 0.13

NARRAGANSETT FINANCIAL CORP FALL RIVER MA $416.7286 0.13

Citizens-Union Savings B Fall River MA $416.72

SLADE'S FERRY BANCORP SOMERSET MA $413.2287 0.13

Slade's Ferry Trust Comp Somerset MA $413.22

BENJAMIN FRANKLIN BANCORP, MHC FRANKLIN MA $412.7288 0.13

Benjamin Franklin Saving Franklin MA $412.72

ASSABET VALLEY BANCORP HUDSON MA $402.0789 0.13

Hudson Savings Bank Hudson MA $402.07

FALL RIVER FIVE CENTS SAVINGS BANK FALL RIVER MA $393.9890 0.12

FIRST NATIONAL LINCOLN CORPORATION DAMARISCOTTA ME $387.7391 0.12

The First National Bank Damariscotta ME $387.73

NORTHEAST BANCORP AUBURN ME $385.4292 0.12

Northeast Bank, F.S.B. Auburn ME $385.42

SACO & BIDDEFORD SAVINGS INSTITUTION

SACO ME $385.2493 0.12

MANULIFE FINANCIAL CORPORATION TORONTO $382.0294 0.12

First Signature Bank and Portsmouth NH $382.02

EAGLE BANK EVERETT MA $378.9995 0.12

NORTHFIELD MHC NORTHFIELD VT $378.0796 0.12

Northfield Savings Bank Northfield VT $378.07

GREENFIELD SAVINGS BANK GREENFIELD MA $377.9197 0.12

BAR HARBOR BANKSHARES BAR HARBOR ME $376.8898 0.12

Bar Harbor Banking and T Bar Harbor ME $376.88

SAVINGS BANK OF DANBURY DANBURY CT $372.4299 0.12

WINCHESTER SAVINGS BANK WINCHESTER MA $370.79100 0.12

COMMUNITY BANK AND TRUST COMPANY WOLFEBORO NH $369.17101 0.11

NORTH FORK BANCORPORATION, INC. MELVILLE NY $368.05102 0.11

Superior Savings of New Branford CT $368.05

NORTH EASTON SAVINGS BANK NORTH EASTON MA $360.88103 0.11

CHARLES SCHWAB CORPORATION, THE SAN FRANCISCO CA $352.92104 0.1138



U.S. Trust Company, Nati Greenwich CT $352.92

KENNEBEC SAVINGS BANK AUGUSTA ME $352.92105 0.11

THOMASTON SAVINGS BANK THOMASTON CT $352.89106 0.11

MYSTIC FINANCIAL, INC. MEDFORD MA $352.56107 0.11

Medford Co-operative Ban Medford MA $352.56

INSTITUTION FOR SAVINGS IN NEWBURYPORT A

NEWBURYPORT MA $342.19108 0.11

THE SAVINGS BANK WAKEFIELD MA $340.56109 0.11

MACHIAS BANCORP, MHC MACHIAS ME $338.51110 0.11

Machias Savings Bank Machias ME $338.51

GORHAM SAVINGS BANK GORHAM ME $338.23111 0.11

MEREDITH VILLAGE SAVINGS BANK MEREDITH NH $337.89112 0.11

PENTUCKET BANK HAVERHILL MA $336.64113 0.10

HINGHAM INSTITUTION FOR SAVINGS HINGHAM MA $332.44114 0.10

CONNECTICUT MUTUAL HOLDING COMPANY WINSTED CT $331.12115 0.10

Northwest Community Bank Winsted CT $201.56

Litchfield Bancorp Litchfield CT $129.57

THE DIME SAVINGS BANK OF NORWICH NORWICH CT $330.33116 0.10

NEWBURYPORT FIVE CENTS SAVINGS BANK NEWBURYPORT MA $330.33117 0.10

THE GUILFORD SAVINGS BANK GUILFORD CT $327.70118 0.10

WEBSTER FIVE CENTS SAVINGS BANK WEBSTER MA $320.27119 0.10

HAMPDEN BANCORP, MHC SPRINGFIELD MA $317.34120 0.10

Hampden Bank Springfield MA $317.34

FIRST LITCHFIELD FINANCIAL CORPORATION

LITCHFIELD CT $316.02121 0.10

The First National Bank Litchfield CT $316.02

CENTRAL BANCORP, INC. SOMERVILLE MA $315.66122 0.10

Central Co-operative Ban Somerville MA $315.66

ANDROSCOGGIN BANCORP, MHC LEWISTON ME $315.03123 0.10

Androscoggin Savings Ban Lewiston ME $315.03

CAPE COD CO-OPERATIVE BANK YARMOUTH PORT MA $314.22124 0.10

BEVERLY NATIONAL CORPORATION BEVERLY MA $312.94125 0.10

The Beverly National Ban Beverly MA $312.94

MOUNTAINONE FINANCIAL PARTNERS, MHC NORTH ADAMS MA $312.52126 0.10

Hoosac Bank North Adams MA $191.23

Williamstown Savings Ban Williamstown MA $121.28

SOUTHERN NEW HAMPSHIRE BANK AND TRU SALEM NH $312.30127 0.10

WINCHESTER CO-OPERATIVE BANK WINCHESTER MA $308.61128 0.10

PATRIOT NATIONAL BANCORP, INC. STAMFORD CT $305.81129 0.10

Patriot National Bank Stamford CT $305.81

MILFORD FEDERAL SAVINGS AND LOAN ASSOCIA

MILFORD MA $304.91130 0.09

NORTH SHORE BANCORP PEABODY MA $302.73131 0.09

North Shore Bank, a Co-o Peabody MA $302.73

SKOWHEGAN SAVINGS BANK SKOWHEGAN ME $300.68132 0.0939



RANDOLPH BANCORP STOUGHTON MA $300.47133 0.09

Randolph Savings Bank Randolph MA $300.47

BELMONT SAVINGS BANK BELMONT MA $297.54134 0.09

LSB CORPORATION NORTH ANDOVER MA $291.24135 0.09

Lawrence Savings Bank North Andover MA $290.57


UNION BANKSHARES, INC. MORRISVILLE VT $288.28136 0.09

Union Bank Morrisville VT $288.28

MERRILL MERCHANTS BANCSHARES, INC. BANGOR ME $287.66137 0.09

Merrill Merchants Bank Bangor ME $287.66

PASSUMPSIC BANCORP SAINT JOHNSBURY

VT $287.63138 0.09

Passumpsic Savings Bank St. Johnsbury VT $18.58


MASSACHUSETTS STATE CARPENTERS BOSTON MA $287.52139 0.09

First Trade Union Bank Boston MA $277.09


CHICOPEE SAVINGS BANK CHICOPEE MA $284.91140 0.09

UNION BANKSHARES COMPANY ELLSWORTH ME $284.67141 0.09

Union Trust Company Ellsworth ME $284.67

NORWOOD CO-OPERATIVE BANK NORWOOD MA $284.24142 0.09

MIDDLESEX FEDERAL SAVINGS AND LOAN ASSOC

SOMERVILLE MA $279.64143 0.09

BATH SAVINGS INSTITUTION BATH ME $274.75144 0.09

THE NEEDHAM CO-OPERATIVE BANK NEEDHAM MA $274.48145 0.09

CLINTON FINANCIAL SERVICES, MHC CLINTON MA $274.24146 0.09

Clinton Savings Bank Clinton MA $274.24

SOUTHBRIDGE SAVINGS BANK SOUTHBRIDGE MA $269.02147 0.08

NORTHERN BANCORP, INC. WOBURN MA $267.19148 0.08

Northern Bank & Trust Co Woburn MA $267.19

CAPE ANN SAVINGS BANK GLOUCESTER MA $262.68149 0.08

MT. WASHINGTON CO-OPERATIVE BANK SOUTH BOSTON MA $261.99150 0.08

THE MILFORD BANK MILFORD CT $256.63151 0.08

FACTORY POINT BANCORP, INC. MANCHESTER CENTER

VT $255.89152 0.08

The Factory Point Nation Manchester Cente VT $255.89

MERRIMACK COUNTY SAVINGS BANK CONCORD NH $253.54153 0.08

COMMUNITY BANCORP. DERBY VT $253.05154 0.08

Community National Bank Derby VT $253.05

STONEHAMBANK, A CO-OPERATIVE BANK STONEHAM MA $251.60155 0.08

FIRST IPSWICH BANCORP IPSWICH MA $248.55156 0.08

The First National Bank Ipswich MA $248.55

MNB BANCORP MILFORD MA $245.73157 0.08

The Milford National Ban Milford MA $245.73

STONEHAM SAVINGS BANK STONEHAM MA $244.20158 0.08

SERVICE BANCORP, MHC MEDWAY MA $243.04159 0.08

Strata Bank Medway MA $243.04

40



FITCHBURG SAVINGS BANK, FSB FITCHBURG MA $237.38160 0.07

CLAREMONT SAVINGS BANK CLAREMONT NH $237.25161 0.07

SAVERS CO-OPERATIVE BANK SOUTHBRIDGE MA $236.69162 0.07

NORTH MIDDLESEX SAVINGS BANK AYER MA $234.22163 0.07

MARLBOROUGH SAVINGS BANK MARLBOROUGH MA $233.46164 0.07

FRAMINGHAM CO-OPERATIVE BANK FRAMINGHAM MA $232.13165 0.07

WALPOLE CO-OPERATIVE BANK WALPOLE MA $231.64166 0.07

KATAHDIN BANKSHARES CORPORATION PATTEN ME $231.27167 0.07

Katahdin Trust Company Patten ME $231.27

PEOPLES FEDERAL SAVINGS BANK BOSTON MA $226.78168 0.07

FIDELITY CO-OPERATIVE BANK FITCHBURG MA $226.41169 0.07

ATHOL SAVINGS BANK ATHOL MA $224.36170 0.07

CAMPELLO BANCORP BROCKTON MA $224.16171 0.07

The Community Bank, A Ma Brockton MA $224.16

DUKES COUNTY SAVINGS BANK EDGARTOWN MA $221.28172 0.07

HERITAGE CO-OPERATIVE BANK SALEM MA $221.03173 0.07

SALISBURY BANCORP, INC. LAKEVILLE CT $219.77174 0.07

Salisbury Bank and Trust Lakeville CT $219.77

LEDYARD NATIONAL BANK NORWICH VT $219.22175 0.07

SPENCER SAVINGS BANK SPENCER MA $217.59176 0.07

FSB BANCORP, MHC FARMINGTON ME $216.82177 0.07

Franklin Savings Bank Farmington ME $216.82

WESTBOROUGH BANCORP, M.H.C. WESTBOROUGH MA $215.02178 0.07

Westborough Savings Bank Westborough MA $215.02

BAY STATE SAVINGS BANK WORCESTER MA $214.78179 0.07

NORTHMARK BANK NORTH ANDOVER MA $214.72180 0.07

ASSOCIATED COMMUNITY BANCORP, INC. GREENWICH CT $213.85181 0.07

Connecticut Community Ba Westport CT $213.85

BRIDGEWATER FINANCIAL, MHC RAYNHAM MA $213.37182 0.07

Bridgewater Savings Bank Raynham MA $213.37

GUARANTY BANCORP, INC. WOODSVILLE NH $213.04183 0.07

Woodsville Guaranty Savi Woodsville NH $213.04

THE COOPERATIVE BANK BOSTON MA $209.35184 0.07

SAVINGS BANK OF WALPOLE WALPOLE NH $206.69185 0.06

PROVIDENT BANCORP AMESBURY MA $205.55186 0.06

The Provident Bank Amesbury MA $205.55

PUTNAM BANCORP MHC, INC. PUTNAM CT $204.30187 0.06

Putnam Savings Bank Putnam CT $204.30

SANFORD INSTITUTION FOR SAVINGS SANFORD ME $202.66188 0.06

NAUGATUCK VALLEY SAVINGS AND LOAN, S.B.

NAUGATUCK CT $202.42189 0.06

SEAMEN'S BANK PROVINCETOWN MA $201.04190 0.0641



CHART BANK, A COOPERATIVE BANK WALTHAM MA $200.36191 0.06

MANSFIELD CO-OPERATIVE BANK MANSFIELD MA $199.94192 0.06

BERKSHIRE FINANCIAL SERVICES, INC. LEE MA $197.10193 0.06

Freedom National Bank Greenville RI $38.08

Lee Bank Lee MA $159.02

CORNERSTONE BANCORP, INC. STAMFORD CT $196.54194 0.06

Cornerstone Bank Stamford CT $196.54

HOME LOAN FINANCIAL CORP. WARWICK RI $194.57195 0.06

Home Loan and Investment Warwick RI $194.57

WINDSOR FEDERAL, MHC WINDSOR CT $193.08196 0.06

Windsor Federal Savings Windsor CT $193.08

COLONIAL FEDERAL SAVINGS BANK QUINCY MA $192.80197 0.06

CONNECTICUT RIVER BANCORP, INC. CHARLESTOWN NH $191.79198 0.06

Connecticut River Bank, Springfield VT $191.79

WINTER HILL FEDERAL SAVINGS BANK SOMERVILLE MA $189.02199 0.06

FEDERAL SAVINGS BANK DOVER NH $186.66200 0.06

FRANKLIN SAVINGS BANK FRANKLIN NH $186.34201 0.06

FNB BANKSHARES BAR HARBOR ME $185.93202 0.06

The First National Bank Bar Harbor ME $185.93

GRAND BANK CORPORATION MARBLEHEAD MA $185.86203 0.06

The National Grand Bank Marblehead MA $185.86

READING CO-OPERATIVE BANK READING MA $183.75204 0.06

EVERETT CO-OPERATIVE BANK EVERETT MA $183.19205 0.06

JEWETT CITY SAVINGS BANK JEWETT CITY CT $180.31206 0.06

THE SIMSBURY BANK & TRUST COMPANY SIMSBURY CT $179.68207 0.06

GREENFIELD CO-OPERATIVE BANK GREENFIELD MA $178.10208 0.06

MECHANICS' SAVINGS BANK AUBURN ME $176.45209 0.05

MAYFLOWER CO-OPERATIVE BANK MIDDLEBORO MA $175.90210 0.05

SOUTH COASTAL HOLDINGS MHC, INC ROCKLAND MA $174.85211 0.05

South Coastal Bank Rockland MA $174.85

PEOPLES TRUST COMPANY OF ST. ALBANS SAINT ALBANS VT $174.74212 0.05

NEW ENGLAND BANCSHARES ENFIELD CT $172.24213 0.05

Enfield Federal Savings Enfield CT $172.24

PRUDENTIAL FINANCIAL NEWARK NJ $172.08214 0.05

Prudential Bank & Trust, Hartford CT $172.08

SCITUATE FEDERAL SAVINGS BANK SCITUATE MA $171.58215 0.05

THE PITTSFIELD CO-OPERATIVE BANK PITTSFIELD MA $171.51216 0.05

ESSEX SAVINGS BANK ESSEX CT $169.65217 0.05

BIDDEFORD SAVINGS BANK BIDDEFORD ME $169.45218 0.05

THE BRAINTREE CO-OPERATIVE BANK BRAINTREE MA $168.63219 0.05

FIRST CITY BANK NEW BRITAIN CT $168.28220 0.05

CENTRIX BANK & TRUST BEDFORD NH $160.87221 0.0542



SUGAR RIVER SAVINGS BANK NEWPORT NH $158.02222 0.05

NATICK FEDERAL SAVINGS BANK NATICK MA $157.36223 0.05

SOUTH ADAMS SAVINGS BANK ADAMS MA $155.96224 0.05

CITIZENS NATIONAL BANCORP, INC. PUTNAM CT $153.45225 0.05

The Citizens National Ba Putnam CT $153.45

MIDDLEBURY NATIONAL CORPORATION MIDDLEBURY VT $152.18226 0.05

The National Bank of Mid Middlebury VT $152.18

SARGENT INVESTORS INC. CRANSTON RI $151.83227 0.05

Domestic Bank Cranston RI $1.55


THE FIRST NATIONAL BANK OF SUFFIELD SUFFIELD CT $150.51228 0.05

STAFFORD SAVINGS BANK STAFFORD SPRINGS

CT $146.45229 0.05

PISCATAQUA SAVINGS BANK PORTSMOUTH NH $143.38230 0.04

EASTERN FEDERAL BANK NORWICH CT $142.24231 0.04

DEAN CO-OPERATIVE BANK FRANKLIN MA $142.22232 0.04

SALEM CO-OPERATIVE BANK SALEM NH $141.16233 0.04

COMMONWEALTH NATIONAL BANK WORCESTER MA $140.24234 0.04

NORTH BROOKFIELD SAVINGS BANK NORTH BROOKFIELD

MA $138.13235 0.04

HAVERHILL CO-OPERATIVE BANK HAVERHILL MA $137.24236 0.04

FALMOUTH BANCORP, INC. FALMOUTH MA $135.74237 0.04

Falmouth Co-operative Ba Falmouth MA $135.74

MONSON SAVINGS BANK MONSON MA $135.30238 0.04

WEYMOUTH BANK EAST WEYMOUTH MA $133.60239 0.04

SAUGUSBANK, A CO-OPERATIVE BANK SAUGUS MA $131.53240 0.04

MILLBURY SAVINGS BANK MILLBURY MA $130.84241 0.04

IPSWICH CO-OPERATIVE BANK IPSWICH MA $128.84242 0.04

FIRST CITIZENS BANK PRESQUE ISLE ME $124.11243 0.04

BEVERLY FINANCIAL, MHC BEVERLY MA $122.46244 0.04

Beverly Co-operative Ban Beverly MA $122.46

THE NORTHAMPTON CO-OPERATIVE BANK NORTHAMPTON MA $122.29245 0.04

SOUND FEDERAL BANCORP WHITE PLAINS NY $122.15246 0.04

Sound Federal Savings White Plains NY $122.15

NEWPORT FEDERAL SAVINGS BANK NEWPORT RI $121.21247 0.04

WELLESLEY CO-OPERATIVE BANK WELLESLEY MA $121.15248 0.04

ADAMS CO-OPERATIVE BANK ADAMS MA $120.91249 0.04

WASHINGTON SAVINGS BANK LOWELL MA $120.90250 0.04

LYNDONVILLE SAVINGS BANK AND TRUST LYNDONVILLE VT $120.80251 0.04

COMMUNITY FINANCIAL, MHC BENNINGTON VT $119.29252 0.0443



The Bank of Bennington Bennington VT $119.29

BANK OF FALL RIVER, A CO-OPERATIVE BANK

FALL RIVER MA $119.24253 0.04

SIWOOGANOCK HOLDING COMPANY, INC., THE

LANCASTER NH $117.46254 0.04

The Lancaster National B Lancaster NH $51.02

The Siwooganock Bank Lancaster NH $66.44

THE BRATTLEBORO SLA, F.A. BRATTLEBORO VT $116.30255 0.04

HOMETOWN BANK, A COOPERATIVE BANK WEBSTER MA $115.57256 0.04

FIRST COLEBROOK BANCORP, INC. COLEBROOK NH $113.88257 0.04

The First Colebrook Bank Colebrook NH $113.88

DAMARISCOTTA BANKSHARES, INC. DAMARISCOTTA ME $111.95258 0.03

Damariscotta Bank & Trus Damariscotta ME $111.95

BOW MILLS BANK AND TRUST BOW NH $110.60259 0.03

PILGRIM CO-OPERATIVE BANK COHASSET MA $109.48260 0.03

MARBLEHEAD SAVINGS BANK MARBLEHEAD MA $108.97261 0.03

CENTRAL FINANCIAL CORPORATION RANDOLPH VT $107.08262 0.03

The Randolph National Ba Randolph VT $107.08

BARRE SAVINGS BANK BARRE MA $106.47263 0.03

MECHANICS' CO-OPERATIVE BANK TAUNTON MA $106.44264 0.03

ASIAN AMERICAN BANK AND TRUST COMPA BOSTON MA $105.23265 0.03

MELROSE CO-OPERATIVE BANK MELROSE MA $103.98266 0.03

THE MARTHA'S VINEYARD CO-OPERATIVE BANK

VINEYARD HAVEN MA $99.52267 0.03

PROFILE BANK, FSB ROCHESTER NH $99.48268 0.03

BUTLER BANK--A CO-OPERATIVE BANK LOWELL MA $99.34269 0.03

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATI

BATH ME $99.20270 0.03

MEDWAY CO-OPERATIVE BANK MEDWAY MA $99.13271 0.03

FOXBORO FEDERAL SAVINGS FOXBORO MA $98.23272 0.03

VALLEY BANK BRISTOL CT $97.59273 0.03

LOWELL CO-OPERATIVE BANK LOWELL MA $97.15274 0.03

WAKEFIELD CO-OPERATIVE BANK WAKEFIELD MA $97.14275 0.03

GLOUCESTER CO-OPERATIVE BANK GLOUCESTER MA $95.13276 0.03

ISLAND BANCORP, INC. EDGARTOWN MA $95.05277 0.03

The Edgartown National B Edgartown MA $95.05

WELLS RIVER SAVINGS BANK WELLS RIVER VT $94.90278 0.03

MUTUAL FEDERAL SAVINGS BANK OF PLYMOUTH

WHITMAN MA $92.74279 0.03

MERCANTILE CAPITAL CORP BOSTON MA $92.73280 0.03

Mercantile Bank and Trus Boston MA $92.73

ROCKPORT NATIONAL BANCORP, INC. ROCKPORT MA $92.52281 0.03

The Rockport National Ba Rockport MA $92.5244



EAST BRIDGEWATER SAVINGS BANK EAST BRIDGEWATER

MA $92.23282 0.03

LAFAYETTE FEDERAL SAVINGS BANK FALL RIVER MA $91.97283 0.03

HYDE PARK CO-OPERATIVE BANK HYDE PARK MA $90.47284 0.03

LEADER BANK, NATIONAL ASSOCIATION ARLINGTON MA $89.83285 0.03

THE WILTON BANK WILTON CT $88.85286 0.03

GEORGETOWN SAVINGS BANK GEORGETOWN MA $88.20287 0.03

SOUTH SHORE MUTUAL HOLDING COMPANY WEYMOUTH MA $86.36288 0.03

South Shore Co-operative Weymouth MA $86.36

SECURITY FEDERAL SAVINGS BANK BROCKTON MA $86.15289 0.03

IRON BANCSHARES, INC. SALISBURY CT $86.07290 0.03

The National Iron Bank Salisbury CT $86.07

U.S.B. HOLDING CO., INC. ORANGEBURG NY $81.78291 0.03

Union State Bank Nanuet NY $81.78

WRENTHAM CO-OPERATIVE BANK WRENTHAM MA $81.56292 0.03

COLLINSVILLE SAVINGS SOCIETY CANTON CT $81.38293 0.03

PEPPERELL BANCSHARES FINANCIAL GROUP, IN

BIDDEFORD ME $77.86294 0.02

Pepperell Bank & Trust Biddeford ME $77.86

FIRST BRANDON NATIONAL BANK BRANDON VT $76.02295 0.02

CANAAN NATIONAL BANCORP, INC. CANAAN CT $75.06296 0.02

The Canaan National Bank Canaan CT $75.06

ONEUNITED BANK BOSTON MA $74.26297 0.02

NORTH CAMBRIDGE CO-OPERATIVE BANK CAMBRIDGE MA $72.96298 0.02

BANK OF EASTON, A CO-OPERATIVE BANK

NORTH EASTON MA $70.84299 0.02

VILLAGE FINANCIAL CORPORATION GILFORD NH $70.20300 0.02

Village Bank & Trust Com Gilford NH $70.20

THE BANK OF NEW CANAAN NEW CANAAN CT $69.23301 0.02

STOUGHTON CO-OPERATIVE BANK STOUGHTON MA $69.02302 0.02

HOLBROOK CO-OPERATIVE BANK HOLBROOK MA $68.83303 0.02

MARLBOROUGH BANCORP MARLBOROUGH MA $68.14304 0.02

Marlborough Co-operative Marlborough MA $68.14

METHUEN CO-OPERATIVE BANK METHUEN MA $67.44305 0.02

NEW BEDFORD COMMUNITY BANCORP NEW BEDFORD MA $66.93306 0.02

Luzo Community Bank New Bedford MA $66.93

NORTH ABINGTON CO-OPERATIVE BANK ABINGTON MA $65.65307 0.02

CANTON CO-OPERATIVE BANK CANTON MA $65.15308 0.02

FAMILY FEDERAL SAVINGS AND LOAN ASSOCIAT

FITCHBURG MA $64.61309 0.02

COLONIAL CO-OPERATIVE BANK GARDNER MA $64.43310 0.02

ATHOL-CLINTON CO-OPERATIVE BANK ATHOL MA $62.45311 0.0245



EQUITABLE CO-OPERATIVE BANK LYNN MA $62.23312 0.02

COMMUNITY GUARANTY CORPORATION PLYMOUTH NH $61.18313 0.02

Community Guaranty Savin Plymouth NH $61.18

SHARON CO-OPERATIVE BANK SHARON MA $59.99314 0.02

AROOSTOOK COUNTY FEDERAL SAVINGS AND LOA

CARIBOU ME $59.40315 0.02

MILLBURY NATIONAL BANK MILLBURY MA $57.32316 0.02

BORDER BANCSHARES, INC. SOUTH CHINA ME $57.18317 0.02

Border Trust Company South China ME $57.18

FIRST EASTERN BANKSHARES ANDOVER MA $55.61318 0.02

First Federal Savings Ba Boston MA $55.61

ROCKLAND SAVINGS AND LOAN ASSOCIATION

ROCKLAND ME $54.61319 0.02

BROOKLINE CO-OPERATIVE BANK BROOKLINE MA $54.20320 0.02

DEDHAM CO-OPERATIVE BANK DEDHAM MA $54.17321 0.02

FIRST COMMUNITY BANK WOODSTOCK VT $53.36322 0.02

SOUTHERN CONNECTICUT BANCORP, INC NEW HAVEN CT $52.95323 0.02

The Bank of Southern Con New Haven CT $52.95

WESTERLY SAVINGS BANK WESTERLY RI $52.54324 0.02

AVON CO-OPERATIVE BANK AVON MA $51.48325 0.02

WARE CO-OPERATIVE BANK WARE MA $49.77326 0.02

BANKERS' BANK, NORTHEAST GLASTONBURY CT $47.02327 0.01

GRANITE SAVINGS BANK ROCKPORT MA $44.08328 0.01

COMMONWEALTH CO-OPERATIVE BANK BOSTON MA $43.15329 0.01

URBAN FINANCIAL GROUP, INC. BRIDGEPORT CT $41.91330 0.01

The Community's Bank Bridgeport CT $41.91

THE LENOX NATIONAL BANK LENOX MA $41.48331 0.01

CASTLE BANK & TRUST COMPANY MERIDEN CT $41.32332 0.01

AUBURN SAVINGS AND LOAN ASSOCIATION AUBURN ME $39.40333 0.01

CONNECTICUT RIVER COMMUNITY BANK WETHERSFIELD CT $37.35334 0.01

CHELSEA-PROVIDENT CO-OPERATIVE BANK CHELSEA MA $36.81335 0.01

THE APPLE VALLEY BANK & TRUST COMPA CHESHIRE CT $36.76336 0.01

MEETINGHOUSE CO-OPERATIVE BANK BOSTON MA $35.96337 0.01

PEYTON STREET FINANCIAL SERVICES CORP.

FARMINGTON CT $35.38338 0.01

InsurBanc Farmington CT $35.38

INDEPENDENCE BANK EAST GREENWICH RI $34.59339 0.01

RIVERGREEN BANK KENNEBUNK ME $34.57340 0.01

KENNEBEC FEDERAL SAVINGS AND LOAN ASSOCI

WATERVILLE ME $34.42341 0.01

MONADNOCK COMMUNITY BANK PETERBOROUGH NH $34.32342 0.0146



MERRIMAC SAVINGS BANK MERRIMAC MA $34.14343 0.01

PRIME BANK ORANGE CT $33.58344 0.01

BANKMALDEN, A CO-OPERATIVE BANK MALDEN MA $33.02345 0.01

CALAIS FEDERAL SAVINGS AND LOAN ASSOCIAT

CALAIS ME $30.84346 0.01

UNION FEDERAL SAVINGS BANK NORTH PROVIDENCE

RI $30.43347 0.01

NATIONAL BANK OF GREECE S.A. ATHENS $25.29348 0.01

Atlantic Bank of New Yor New York NY $25.29

ROXBURY-HIGHLAND CO-OPERATIVE BANK BOSTON MA $23.89349 0.01

BANCO COMERCIAL PORTUGUES, S.A. OPORTO $23.72350 0.01

BCPBank, National Associ Newark NJ $23.72

ECONOMY CO-OPERATIVE BANK MERRIMAC MA $23.69351 0.01

THE FIRST NATIONAL BANK OF ORWELL ORWELL VT $22.50352 0.01

NORTHERN TRUST CORPORATION CHICAGO IL $19.04353 0.01

Northern Trust Bank, Fe Bloomfield Hills MI $19.04

BEACON FEDERAL EAST SYRACUSE NY $18.54354 0.01

BAR HARBOR SAVINGS AND LOAN ASSOCIATION

BAR HARBOR ME $18.29355 0.01

CATHAY GENERAL BANCORP LOS ANGELES CA $17.86356 0.01

Cathay Bank Los Angeles CA $17.86

BRIDGEWATER CO-OPERATIVE BANK BRIDGEWATER MA $16.51357 0.01

THE CONNECTICUT BANK AND TRUST COMP HARTFORD CT $8.77358 0.00

TRUSTCO BANK CORP. GLENVILLE NY $6.78359 0.00

TrustCo Bank Glenville NY $6.78

TALBOTS CLASSICS NATIONAL BANK LINCOLN RI $5.99360 0.00

FMR CORP. BOSTON MA $0.52361 0.00

Fidelity Management Trus Boston MA $0.52

BANK OF MONTREAL MONTREAL $0.50362 0.00

Harris Bank (NH), Nation Nashua NH $0.50

MARSH MCLENNAN INC. NEW YORK NY $0.50363 0.00

Putnam Fiduciary Trust C Boston MA $0.50

ALL COMMERCIAL BANKING AND THRIFT ORGANIZATIONS: $321,527.34

Note: State deposit data are in millions of dollars. Thrift deposits are weighted at 100 percent. The table is based on 6/30/04 deposit data. It reflects mergers and acquisitions completed by 6/30/04.

100.00%

Sources: FDIC and OTS Reports of Condition.

47

STATE BANKING TABLES

48

CONNECTICUT

49


Commercial Banking and Thrift Organizations Operating In ConnecticutDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04





PEOPLE'S MUTUAL HOLDINGS BRIDGEPORT CT $8,955.713 12.13

People's Bank Bridgeport CT $8,955.71

WACHOVIA CORPORATION CHARLOTTE NC $5,758.234 7.80

Wachovia Bank, National Charlotte NC $5,758.23

NEWALLIANCE BANCSHARES, INC. NEW HAVEN CT $4,124.805 5.59

NewAlliance Bank New Haven CT $4,124.80


EDINBURGH $2,955.896 4.00

Citizens Bank of Connect New London CT $2,955.89

J.P. MORGAN CHASE & CO. NEW YORK NY $2,630.097 3.56

JPMorgan Chase Bank New York City NY $2,630.09



LIBERTY BANK MIDDLETOWN CT $1,794.219 2.43

HUDSON UNITED BANCORP MAHWAH NJ $1,615.5810 2.19

Hudson United Bank Mahwah NJ $1,615.58



CITIGROUP INC. NEW YORK NY $1,009.8812 1.37

Citibank, Federal Saving Reston VA $1,009.88

UNION SAVINGS BANK DANBURY CT $932.2013 1.26

FAIRFIELD COUNTY BANK CORP. RIDGEFIELD CT $890.1814 1.21

FIRST COUNTY BANK STAMFORD CT $731.8115 0.99

CHARTER OAK COMMUNITY BANK CORP. ROCKVILLE CT $631.9316 0.86

Rockville Bank Vernon Rockville CT $631.93

FARMINGTON SAVINGS BANK FARMINGTON CT $626.4517 0.85

BANK OF NEW YORK COMPANY, INC., THE NEW YORK NY $602.1418 0.82

The Bank of New York New York City NY $602.14

NEWMIL BANCORP, INC. NEW MILFORD CT $586.9219 0.79

NewMil Bank New Milford CT $586.92

THE CHELSEA GROTON SAVINGS BANK NORWICH CT $540.7720 0.73

THE TORRINGTON SAVINGS BANK TORRINGTON CT $530.6321 0.72

NAUGATUCK SAVINGS BANK NAUGATUCK CT $496.2722 0.67

NEWTOWN SAVINGS BANK NEWTOWN CT $472.1323 0.64

SI BANCORP, INC. WILLIMANTIC CT $444.6524 0.60

Savings Institute Willimantic CT $444.65

SAVINGS BANK OF DANBURY DANBURY CT $372.4225 0.50

NORTH FORK BANCORPORATION, INC. MELVILLE NY $368.0526 0.50

Superior Savings of New Branford CT $368.05

THOMASTON SAVINGS BANK THOMASTON CT $352.8927 0.48

CONNECTICUT MUTUAL HOLDING COMPANY WINSTED CT $331.1228 0.45

Northwest Community Bank Winsted CT $201.56

Litchfield Bancorp Litchfield CT $129.5750



THE GUILFORD SAVINGS BANK GUILFORD CT $327.7029 0.44



LITCHFIELD CT $316.0231 0.43

The First National Bank Litchfield CT $316.02

PATRIOT NATIONAL BANCORP, INC. STAMFORD CT $305.8132 0.41

Patriot National Bank Stamford CT $305.81

THE MILFORD BANK MILFORD CT $256.6333 0.35



SALISBURY BANCORP, INC. LAKEVILLE CT $219.7735 0.30

Salisbury Bank and Trust Lakeville CT $219.77

ASSOCIATED COMMUNITY BANCORP, INC. GREENWICH CT $213.8536 0.29

Connecticut Community Ba Westport CT $213.85

PUTNAM BANCORP MHC, INC. PUTNAM CT $204.3037 0.28

Putnam Savings Bank Putnam CT $204.30


NAUGATUCK CT $202.4238 0.27

CORNERSTONE BANCORP, INC. STAMFORD CT $196.5439 0.27

Cornerstone Bank Stamford CT $196.54

WINDSOR FEDERAL, MHC WINDSOR CT $193.0840 0.26

Windsor Federal Savings Windsor CT $193.08

JEWETT CITY SAVINGS BANK JEWETT CITY CT $180.3141 0.24

THE SIMSBURY BANK & TRUST COMPANY SIMSBURY CT $179.6842 0.24

NEW ENGLAND BANCSHARES ENFIELD CT $172.2443 0.23

Enfield Federal Savings Enfield CT $172.24

PRUDENTIAL FINANCIAL NEWARK NJ $172.0844 0.23

Prudential Bank & Trust, Hartford CT $172.08

ESSEX SAVINGS BANK ESSEX CT $169.6545 0.23

FIRST CITY BANK NEW BRITAIN CT $168.2846 0.23

CITIZENS NATIONAL BANCORP, INC. PUTNAM CT $153.4547 0.21

The Citizens National Ba Putnam CT $153.45

THE FIRST NATIONAL BANK OF SUFFIELD SUFFIELD CT $150.5148 0.20


CT $146.4549 0.20


MA $144.2050 0.20


EASTERN FEDERAL BANK NORWICH CT $142.2451 0.19

SOUND FEDERAL BANCORP WHITE PLAINS NY $122.1552 0.17

Sound Federal Savings White Plains NY $122.15

CHARTER ONE FINANCIAL, INC. CLEVELAND OH $97.8253 0.13

Charter One Bank, Nation Cleveland OH $97.82

VALLEY BANK BRISTOL CT $97.5954 0.13

THE WILTON BANK WILTON CT $88.8555 0.12

IRON BANCSHARES, INC. SALISBURY CT $86.0756 0.12

The National Iron Bank Salisbury CT $86.0751



U.S.B. HOLDING CO., INC. ORANGEBURG NY $81.7857 0.11

Union State Bank Nanuet NY $81.78

COLLINSVILLE SAVINGS SOCIETY CANTON CT $81.3858 0.11

THE BANK OF NEW CANAAN NEW CANAAN CT $69.2359 0.09

WASHINGTON TRUST BANCORP, INC. WESTERLY RI $55.8160 0.08

The Washington Trust Com Westerly RI $55.81



SOUTHERN CONNECTICUT BANCORP, INC NEW HAVEN CT $52.9562 0.07

The Bank of Southern Con New Haven CT $52.95

BANKERS' BANK, NORTHEAST GLASTONBURY CT $47.0263 0.06

URBAN FINANCIAL GROUP, INC. BRIDGEPORT CT $41.9164 0.06

The Community's Bank Bridgeport CT $41.91

CASTLE BANK & TRUST COMPANY MERIDEN CT $41.3265 0.06

CONNECTICUT RIVER COMMUNITY BANK WETHERSFIELD CT $37.3566 0.05

THE APPLE VALLEY BANK & TRUST COMPA CHESHIRE CT $36.7667 0.05


FARMINGTON CT $35.3868 0.05

InsurBanc Farmington CT $35.38

PRIME BANK ORANGE CT $33.5869 0.05

NORTHERN TRUST CORPORATION CHICAGO IL $19.0470 0.03

Northern Trust Bank, Fe Bloomfield Hills MI $19.04

THE CONNECTICUT BANK AND TRUST COMP HARTFORD CT $8.7771 0.01



100.00%


52

MAINE

53


Commercial Banking and Thrift Organizations Operating In MaineDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04



KEYCORP CLEVELAND OH $1,952.672 11.69

Keybank National Associa Cleveland OH $1,952.67



Fleet Maine, National As South Portland ME $1.05

BANGOR SAVINGS BANK BANGOR ME $1,273.144 7.62

CAMDEN NATIONAL CORPORATION CAMDEN ME $970.735 5.81

The Camden National Bank Camden ME $683.95

UnitedKingfield Bank Bangor ME $286.78

KENNEBUNK SAVINGS BANK KENNEBUNK ME $533.206 3.19

NORWAY BANCORP, MHC NORWAY ME $515.097 3.08

Norway Savings Bank Norway ME $515.09

CHITTENDEN CORPORATION BURLINGTON VT $491.478 2.94

Ocean National Bank Kennebunk ME $232.42

Maine Bank & Trust Compa Portland ME $259.05

GARDINER SAVINGS INSTITUTION, FSB GARDINER ME $462.489 2.77

FIRST NATIONAL LINCOLN CORPORATION DAMARISCOTTA ME $387.7310 2.32

The First National Bank Damariscotta ME $387.73

NORTHEAST BANCORP AUBURN ME $385.4211 2.31

Northeast Bank, F.S.B. Auburn ME $385.42

SACO & BIDDEFORD SAVINGS INSTITUTION

SACO ME $385.2412 2.31

BAR HARBOR BANKSHARES BAR HARBOR ME $376.8813 2.26

Bar Harbor Banking and T Bar Harbor ME $376.88

KENNEBEC SAVINGS BANK AUGUSTA ME $352.9214 2.11

MACHIAS BANCORP, MHC MACHIAS ME $338.5115 2.03

Machias Savings Bank Machias ME $338.51

GORHAM SAVINGS BANK GORHAM ME $338.2316 2.02

ANDROSCOGGIN BANCORP, MHC LEWISTON ME $315.0317 1.89

Androscoggin Savings Ban Lewiston ME $315.03

SKOWHEGAN SAVINGS BANK SKOWHEGAN ME $300.6818 1.80

MERRILL MERCHANTS BANCSHARES, INC. BANGOR ME $287.6619 1.72

Merrill Merchants Bank Bangor ME $287.66

UNION BANKSHARES COMPANY ELLSWORTH ME $284.6720 1.70

Union Trust Company Ellsworth ME $284.67

BATH SAVINGS INSTITUTION BATH ME $274.7521 1.64

KATAHDIN BANKSHARES CORPORATION PATTEN ME $231.2722 1.38

Katahdin Trust Company Patten ME $231.27

FSB BANCORP, MHC FARMINGTON ME $216.8223 1.30

Franklin Savings Bank Farmington ME $216.82

SANFORD INSTITUTION FOR SAVINGS SANFORD ME $202.6624 1.21

FNB BANKSHARES BAR HARBOR ME $185.9325 1.11

The First National Bank Bar Harbor ME $185.93

MECHANICS' SAVINGS BANK AUBURN ME $176.4526 1.06

BIDDEFORD SAVINGS BANK BIDDEFORD ME $169.4527 1.01

FIRST CITIZENS BANK PRESQUE ISLE ME $124.1128 0.7454


Commercial Banking and Thrift Organizations Operating In MaineDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04

DAMARISCOTTA BANKSHARES, INC. DAMARISCOTTA ME $111.9529 0.67

Damariscotta Bank & Trus Damariscotta ME $111.95


BATH ME $99.2030 0.59

PEPPERELL BANCSHARES FINANCIAL GROUP, IN

BIDDEFORD ME $77.8631 0.47

Pepperell Bank & Trust Biddeford ME $77.86


CARIBOU ME $59.4032 0.36

BORDER BANCSHARES, INC. SOUTH CHINA ME $57.1833 0.34

Border Trust Company South China ME $57.18


ROCKLAND ME $54.6134 0.33

AUBURN SAVINGS AND LOAN ASSOCIATION AUBURN ME $39.4035 0.24

RIVERGREEN BANK KENNEBUNK ME $34.5736 0.21


WATERVILLE ME $34.4237 0.21


CALAIS ME $30.8438 0.18


BAR HARBOR ME $18.2939 0.11



100.00%


55

MASSACHUSETTS

56


Commercial Banking and Thrift Organizations Operating In MassachusettsDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04




EDINBURGH $22,878.112 13.25

Citizens Bank of Massach Boston MA $22,224.16


Boston Trust & Investmen Boston MA $1.50

STATE STREET CORPORATION BOSTON MA $14,881.963 8.62

State Street Bank and Tr Boston MA $14,881.96





MELLON FINANCIAL CORPORATION PITTSBURGH PA $6,658.046 3.85

Mellon Trust of New Engl Boston MA $6,658.04

INVESTORS FINANCIAL SERVICES CORP. BOSTON MA $5,017.927 2.91

Investors Bank & Trust C Boston MA $5,017.92

EASTERN BANK CORPORATION BOSTON MA $3,781.078 2.19

Eastern Bank Boston MA $3,781.07


NEW BEDFORD MA $3,673.909 2.13

Compass Bank for Savings New Bedford MA $3,326.71

Nantucket Bank Nantucket MA $347.18

MIDDLESEX SAVINGS BANK NATICK MA $2,732.5210 1.58

INDEPENDENT BANK CORP. ROCKLAND MA $1,999.5711 1.16

Rockland Trust Company Rockland MA $1,999.57

CAMBRIDGE FINANCIAL GROUP, INC. CAMBRIDGE MA $1,644.5512 0.95

Cambridge Savings Bank Cambridge MA $1,644.55


BOSTON MA $1,371.2013 0.79

Boston Private Bank & Tr Boston MA $1,371.20

CENTURY BANCORP, INC. MEDFORD MA $1,268.1614 0.73

Century Bank and Trust C Somerville MA $1,268.16



SALEM FIVE CENTS SAVINGS BANK SALEM MA $1,219.4216 0.71

BOSTONFED BANCORP, INC. BURLINGTON MA $1,212.7717 0.70

Boston Federal Savings B Burlington MA $1,212.77

THE CAPE COD FIVE CENTS SAVINGS BANK

HARWICH PORT MA $1,150.9518 0.67

PLYMOUTH BANCORP, INC. WAREHAM MA $1,054.8619 0.61

Plymouth Savings Bank Wareham MA $1,054.86

CHITTENDEN CORPORATION BURLINGTON VT $942.9520 0.55

The Bank of Western Mass Springfield MA $496.30

Flagship Bank and Trust Worcester MA $446.64

WATERTOWN SAVINGS BANK WATERTOWN MA $934.2821 0.54

MASSBANK CORP. READING MA $865.6522 0.50

MassBank Reading MA $865.65

BERKSHIRE HILLS BANCORP PITTSFIELD MA $854.9023 0.49

Berkshire Bank Pittsfield MA $854.90

CAPITAL CROSSING BANK BOSTON MA $798.5824 0.46

DEDHAM INSTITUTION FOR SAVINGS DEDHAM MA $762.3125 0.4457



DANVERS BANCORP, INC. DANVERS MA $755.7126 0.44

Danvers Savings Bank Danvers MA $755.71

ENTERPRISE BANCORP, INC. LOWELL MA $736.0127 0.43

Enterprise Bank and Trus Lowell MA $736.01

BROOKLINE BANCORP, MHC BROOKLINE MA $732.8828 0.42

Brookline Bank Brookline MA $732.88

COUNTRY BANK FOR SAVINGS WARE MA $673.9629 0.39

MERIDIAN FINANCIAL SERVICES, INC EAST BOSTON MA $649.3130 0.38

East Boston Savings Bank Boston MA $649.31

HYDE PARK SAVINGS BANK BOSTON MA $647.9631 0.38



SOUTH SHORE BANCORP MHC SOUTH WEYMOUTH MA $629.1133 0.36

South Shore Savings Bank Weymouth MA $629.11

WESTFIELD MUTUAL HOLDING COMPANY WESTFIELD MA $620.9734 0.36

Westfield Bank Westfield MA $620.97


MA $604.1235 0.35

FLORENCE SAVINGS BANK FLORENCE MA $594.3736 0.34

PEOPLESBANCORP, MHC HOLYOKE MA $584.5037 0.34

PeoplesBank Holyoke MA $584.50

THE LOWELL FIVE CENT SAVINGS BANK LOWELL MA $583.5238 0.34

UFS BANCORP WHITINSVILLE MA $582.3739 0.34

UniBank for Savings Whitinsville MA $582.37

COMMERCE BANCSHARES CORP. WORCESTER MA $578.7640 0.34

Commerce Bank & Trust Co Worcester MA $578.76

EAST CAMBRIDGE SAVINGS BANK CAMBRIDGE MA $543.1641 0.31

EASTHAMPTON SAVINGS BANK EASTHAMPTON MA $490.2742 0.28

WAINWRIGHT BANK & TRUST COMPANY BOSTON MA $464.9743 0.27

WORONOCO BANCORP, INC. WESTFIELD MA $456.0944 0.26

Woronoco Savings Bank Westfield MA $456.09

PONKAPOAG BANCORP, MHC CANTON MA $453.4845 0.26

The Bank of Canton Canton MA $453.48


MA $440.3446 0.25



PITTSFIELD MA $439.4847 0.25

Legacy Banks Pittsfield MA $439.48

THE VILLAGE BANK AUBURNDALE MA $430.8348 0.25



NARRAGANSETT FINANCIAL CORP FALL RIVER MA $416.7250 0.24

Citizens-Union Savings B Fall River MA $416.72

SLADE'S FERRY BANCORP SOMERSET MA $413.2251 0.24

Slade's Ferry Trust Comp Somerset MA $413.22

BENJAMIN FRANKLIN BANCORP, MHC FRANKLIN MA $412.7252 0.24

Benjamin Franklin Saving Franklin MA $412.72

ASSABET VALLEY BANCORP HUDSON MA $402.0753 0.2358



Hudson Savings Bank Hudson MA $402.07

FALL RIVER FIVE CENTS SAVINGS BANK FALL RIVER MA $393.9854 0.23

EAGLE BANK EVERETT MA $378.9955 0.22

GREENFIELD SAVINGS BANK GREENFIELD MA $377.9156 0.22

WINCHESTER SAVINGS BANK WINCHESTER MA $370.7957 0.21

NORTH EASTON SAVINGS BANK NORTH EASTON MA $360.8858 0.21

MYSTIC FINANCIAL, INC. MEDFORD MA $352.5659 0.20

Medford Co-operative Ban Medford MA $352.56


NEWBURYPORT MA $342.1960 0.20

THE SAVINGS BANK WAKEFIELD MA $340.5661 0.20

PENTUCKET BANK HAVERHILL MA $336.6462 0.19

HINGHAM INSTITUTION FOR SAVINGS HINGHAM MA $332.4463 0.19

NEWBURYPORT FIVE CENTS SAVINGS BANK NEWBURYPORT MA $330.3364 0.19

WEBSTER FIVE CENTS SAVINGS BANK WEBSTER MA $320.2765 0.19

HAMPDEN BANCORP, MHC SPRINGFIELD MA $317.3466 0.18

Hampden Bank Springfield MA $317.34

CENTRAL BANCORP, INC. SOMERVILLE MA $315.6667 0.18

Central Co-operative Ban Somerville MA $315.66

CAPE COD CO-OPERATIVE BANK YARMOUTH PORT MA $314.2268 0.18

BEVERLY NATIONAL CORPORATION BEVERLY MA $312.9469 0.18

The Beverly National Ban Beverly MA $312.94

MOUNTAINONE FINANCIAL PARTNERS, MHC NORTH ADAMS MA $312.5270 0.18

Hoosac Bank North Adams MA $191.23

Williamstown Savings Ban Williamstown MA $121.28

WINCHESTER CO-OPERATIVE BANK WINCHESTER MA $308.6171 0.18

NORTH SHORE BANCORP PEABODY MA $302.7372 0.18

North Shore Bank, a Co-o Peabody MA $302.73

RANDOLPH BANCORP STOUGHTON MA $300.4773 0.17

Randolph Savings Bank Randolph MA $300.47

BELMONT SAVINGS BANK BELMONT MA $297.5474 0.17



CHICOPEE SAVINGS BANK CHICOPEE MA $284.9176 0.16

NORWOOD CO-OPERATIVE BANK NORWOOD MA $284.2477 0.16


SOMERVILLE MA $279.6478 0.16



THE NEEDHAM CO-OPERATIVE BANK NEEDHAM MA $274.4880 0.16

CLINTON FINANCIAL SERVICES, MHC CLINTON MA $274.2481 0.16

Clinton Savings Bank Clinton MA $274.24

SOUTHBRIDGE SAVINGS BANK SOUTHBRIDGE MA $269.0282 0.16

59



NORTHERN BANCORP, INC. WOBURN MA $267.1983 0.15

Northern Bank & Trust Co Woburn MA $267.19

CAPE ANN SAVINGS BANK GLOUCESTER MA $262.6884 0.15

MT. WASHINGTON CO-OPERATIVE BANK SOUTH BOSTON MA $261.9985 0.15


MILFORD MA $261.5086 0.15

STONEHAMBANK, A CO-OPERATIVE BANK STONEHAM MA $251.6087 0.15

MNB BANCORP MILFORD MA $245.7388 0.14

The Milford National Ban Milford MA $245.73

STONEHAM SAVINGS BANK STONEHAM MA $244.2089 0.14

SERVICE BANCORP, MHC MEDWAY MA $243.0490 0.14

Strata Bank Medway MA $243.04

FITCHBURG SAVINGS BANK, FSB FITCHBURG MA $237.3891 0.14

SAVERS CO-OPERATIVE BANK SOUTHBRIDGE MA $236.6992 0.14

NORTH MIDDLESEX SAVINGS BANK AYER MA $234.2293 0.14

MARLBOROUGH SAVINGS BANK MARLBOROUGH MA $233.4694 0.14

FRAMINGHAM CO-OPERATIVE BANK FRAMINGHAM MA $232.1395 0.13

WALPOLE CO-OPERATIVE BANK WALPOLE MA $231.6496 0.13

PEOPLES FEDERAL SAVINGS BANK BOSTON MA $226.7897 0.13

FIDELITY CO-OPERATIVE BANK FITCHBURG MA $226.4198 0.13

ATHOL SAVINGS BANK ATHOL MA $224.3699 0.13

CAMPELLO BANCORP BROCKTON MA $224.16100 0.13

The Community Bank, A Ma Brockton MA $224.16



DUKES COUNTY SAVINGS BANK EDGARTOWN MA $221.28102 0.13

HERITAGE CO-OPERATIVE BANK SALEM MA $221.03103 0.13

SPENCER SAVINGS BANK SPENCER MA $217.59104 0.13

WESTBOROUGH BANCORP, M.H.C. WESTBOROUGH MA $215.02105 0.12

Westborough Savings Bank Westborough MA $215.02

BAY STATE SAVINGS BANK WORCESTER MA $214.78106 0.12

NORTHMARK BANK NORTH ANDOVER MA $214.72107 0.12

BRIDGEWATER FINANCIAL, MHC RAYNHAM MA $213.37108 0.12

Bridgewater Savings Bank Raynham MA $213.37

THE COOPERATIVE BANK BOSTON MA $209.35109 0.12

PROVIDENT BANCORP AMESBURY MA $205.55110 0.12

The Provident Bank Amesbury MA $205.55

SEAMEN'S BANK PROVINCETOWN MA $201.04111 0.12

CHART BANK, A COOPERATIVE BANK WALTHAM MA $200.36112 0.12

MANSFIELD CO-OPERATIVE BANK MANSFIELD MA $199.94113 0.12

60



COLONIAL FEDERAL SAVINGS BANK QUINCY MA $192.80114 0.11

WINTER HILL FEDERAL SAVINGS BANK SOMERVILLE MA $189.02115 0.11

GRAND BANK CORPORATION MARBLEHEAD MA $185.86116 0.11

The National Grand Bank Marblehead MA $185.86

READING CO-OPERATIVE BANK READING MA $183.75117 0.11

EVERETT CO-OPERATIVE BANK EVERETT MA $183.19118 0.11

GREENFIELD CO-OPERATIVE BANK GREENFIELD MA $178.10119 0.10

MAYFLOWER CO-OPERATIVE BANK MIDDLEBORO MA $175.90120 0.10

SOUTH COASTAL HOLDINGS MHC, INC ROCKLAND MA $174.85121 0.10

South Coastal Bank Rockland MA $174.85

SCITUATE FEDERAL SAVINGS BANK SCITUATE MA $171.58122 0.10

THE PITTSFIELD CO-OPERATIVE BANK PITTSFIELD MA $171.51123 0.10

THE BRAINTREE CO-OPERATIVE BANK BRAINTREE MA $168.63124 0.10


Lee Bank Lee MA $159.02

NATICK FEDERAL SAVINGS BANK NATICK MA $157.36126 0.09

SOUTH ADAMS SAVINGS BANK ADAMS MA $155.96127 0.09

DEAN CO-OPERATIVE BANK FRANKLIN MA $142.22128 0.08

COMMONWEALTH NATIONAL BANK WORCESTER MA $140.24129 0.08


MA $138.13130 0.08

HAVERHILL CO-OPERATIVE BANK HAVERHILL MA $137.24131 0.08

FALMOUTH BANCORP, INC. FALMOUTH MA $135.74132 0.08

Falmouth Co-operative Ba Falmouth MA $135.74

MONSON SAVINGS BANK MONSON MA $135.30133 0.08

WEYMOUTH BANK EAST WEYMOUTH MA $133.60134 0.08

SAUGUSBANK, A CO-OPERATIVE BANK SAUGUS MA $131.53135 0.08

MILLBURY SAVINGS BANK MILLBURY MA $130.84136 0.08

IPSWICH CO-OPERATIVE BANK IPSWICH MA $128.84137 0.07

BEVERLY FINANCIAL, MHC BEVERLY MA $122.46138 0.07

Beverly Co-operative Ban Beverly MA $122.46

THE NORTHAMPTON CO-OPERATIVE BANK NORTHAMPTON MA $122.29139 0.07

WELLESLEY CO-OPERATIVE BANK WELLESLEY MA $121.15140 0.07

ADAMS CO-OPERATIVE BANK ADAMS MA $120.91141 0.07

WASHINGTON SAVINGS BANK LOWELL MA $120.90142 0.07


FALL RIVER MA $119.24143 0.07

HOMETOWN BANK, A COOPERATIVE BANK WEBSTER MA $115.57144 0.07





PILGRIM CO-OPERATIVE BANK COHASSET MA $109.48146 0.06

MARBLEHEAD SAVINGS BANK MARBLEHEAD MA $108.97147 0.06

BARRE SAVINGS BANK BARRE MA $106.47148 0.06

MECHANICS' CO-OPERATIVE BANK TAUNTON MA $106.44149 0.06

ASIAN AMERICAN BANK AND TRUST COMPA BOSTON MA $105.23150 0.06

MELROSE CO-OPERATIVE BANK MELROSE MA $103.98151 0.06


VINEYARD HAVEN MA $99.52152 0.06

BUTLER BANK--A CO-OPERATIVE BANK LOWELL MA $99.34153 0.06

MEDWAY CO-OPERATIVE BANK MEDWAY MA $99.13154 0.06

FOXBORO FEDERAL SAVINGS FOXBORO MA $98.23155 0.06

LOWELL CO-OPERATIVE BANK LOWELL MA $97.15156 0.06

WAKEFIELD CO-OPERATIVE BANK WAKEFIELD MA $97.14157 0.06

GLOUCESTER CO-OPERATIVE BANK GLOUCESTER MA $95.13158 0.06

ISLAND BANCORP, INC. EDGARTOWN MA $95.05159 0.06

The Edgartown National B Edgartown MA $95.05


WHITMAN MA $92.74160 0.05

MERCANTILE CAPITAL CORP BOSTON MA $92.73161 0.05

Mercantile Bank and Trus Boston MA $92.73

ROCKPORT NATIONAL BANCORP, INC. ROCKPORT MA $92.52162 0.05

The Rockport National Ba Rockport MA $92.52


MA $92.23163 0.05

LAFAYETTE FEDERAL SAVINGS BANK FALL RIVER MA $91.97164 0.05

HYDE PARK CO-OPERATIVE BANK HYDE PARK MA $90.47165 0.05

LEADER BANK, NATIONAL ASSOCIATION ARLINGTON MA $89.83166 0.05

GEORGETOWN SAVINGS BANK GEORGETOWN MA $88.20167 0.05

SOUTH SHORE MUTUAL HOLDING COMPANY WEYMOUTH MA $86.36168 0.05

South Shore Co-operative Weymouth MA $86.36

SECURITY FEDERAL SAVINGS BANK BROCKTON MA $86.15169 0.05

WRENTHAM CO-OPERATIVE BANK WRENTHAM MA $81.56170 0.05

ONEUNITED BANK BOSTON MA $74.26171 0.04

NORTH CAMBRIDGE CO-OPERATIVE BANK CAMBRIDGE MA $72.96172 0.04


NORTH EASTON MA $70.84173 0.04

STOUGHTON CO-OPERATIVE BANK STOUGHTON MA $69.02174 0.04

HOLBROOK CO-OPERATIVE BANK HOLBROOK MA $68.83175 0.04

MARLBOROUGH BANCORP MARLBOROUGH MA $68.14176 0.0462



Marlborough Co-operative Marlborough MA $68.14

METHUEN CO-OPERATIVE BANK METHUEN MA $67.44177 0.04

NEW BEDFORD COMMUNITY BANCORP NEW BEDFORD MA $66.93178 0.04

Luzo Community Bank New Bedford MA $66.93

NORTH ABINGTON CO-OPERATIVE BANK ABINGTON MA $65.65179 0.04

CANTON CO-OPERATIVE BANK CANTON MA $65.15180 0.04


FITCHBURG MA $64.61181 0.04

COLONIAL CO-OPERATIVE BANK GARDNER MA $64.43182 0.04

ATHOL-CLINTON CO-OPERATIVE BANK ATHOL MA $62.45183 0.04

EQUITABLE CO-OPERATIVE BANK LYNN MA $62.23184 0.04

SHARON CO-OPERATIVE BANK SHARON MA $59.99185 0.03

MILLBURY NATIONAL BANK MILLBURY MA $57.32186 0.03

FIRST EASTERN BANKSHARES ANDOVER MA $55.61187 0.03

First Federal Savings Ba Boston MA $55.61

BROOKLINE CO-OPERATIVE BANK BROOKLINE MA $54.20188 0.03

DEDHAM CO-OPERATIVE BANK DEDHAM MA $54.17189 0.03

AVON CO-OPERATIVE BANK AVON MA $51.48190 0.03

WARE CO-OPERATIVE BANK WARE MA $49.77191 0.03

GRANITE SAVINGS BANK ROCKPORT MA $44.08192 0.03

COMMONWEALTH CO-OPERATIVE BANK BOSTON MA $43.15193 0.02

THE LENOX NATIONAL BANK LENOX MA $41.48194 0.02


CHELSEA-PROVIDENT CO-OPERATIVE BANK CHELSEA MA $36.81196 0.02

MEETINGHOUSE CO-OPERATIVE BANK BOSTON MA $35.96197 0.02

MERRIMAC SAVINGS BANK MERRIMAC MA $34.14198 0.02

BANKMALDEN, A CO-OPERATIVE BANK MALDEN MA $33.02199 0.02

NATIONAL BANK OF GREECE S.A. ATHENS $25.29200 0.01

Atlantic Bank of New Yor New York NY $25.29

ROXBURY-HIGHLAND CO-OPERATIVE BANK BOSTON MA $23.89201 0.01

BANCO COMERCIAL PORTUGUES, S.A. OPORTO $23.72202 0.01

BCPBank, National Associ Newark NJ $23.72

ECONOMY CO-OPERATIVE BANK MERRIMAC MA $23.69203 0.01



BEACON FEDERAL EAST SYRACUSE NY $18.54205 0.01

CATHAY GENERAL BANCORP LOS ANGELES CA $17.86206 0.01

Cathay Bank Los Angeles CA $17.86

BRIDGEWATER CO-OPERATIVE BANK BRIDGEWATER MA $16.51207 0.01

63





FMR CORP. BOSTON MA $0.52209 0.00

Fidelity Management Trus Boston MA $0.52

MARSH MCLENNAN INC. NEW YORK NY $0.50210 0.00

Putnam Fiduciary Trust C Boston MA $0.50

J.P. MORGAN CHASE & CO. NEW YORK NY $0.00211 0.00




100.00%


64

NEW HAMPSHIRE

65


Commercial Banking and Thrift Organizations Operating In New HampshireDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04

PROVIDIAN NATIONAL BANK TILTON NH $9,117.571 31.05


EDINBURGH $5,942.812 20.24


Citizens Bank New Hampsh Manchester NH $5,942.81






Ocean National Bank Kennebunk ME $1,010.74

SOVEREIGN BANCORP, INC. WYOMISSING PA $950.406 3.24

Sovereign Bank Wyomissing PA $950.40

LSB FINANCIAL LACONIA NH $607.657 2.07

Laconia Savings Bank Laconia NH $607.65

NORTHWAY FINANCIAL, INC. BERLIN NH $479.258 1.63

The Berlin City Bank Berlin NH $297.32

The Pemigewasset Nationa Plymouth NH $181.93

NEW HAMPSHIRE THRIFT BANCSHARES NEWPORT NH $458.189 1.56

Lake Sunapee Bank, FSB Newport NH $458.18

MANULIFE FINANCIAL CORPORATION TORONTO $382.0210 1.30

First Signature Bank and Portsmouth NH $382.02

COMMUNITY BANK AND TRUST COMPANY WOLFEBORO NH $369.1711 1.26



MEREDITH VILLAGE SAVINGS BANK MEREDITH NH $337.8913 1.15


MERRIMACK COUNTY SAVINGS BANK CONCORD NH $253.5415 0.86

CLAREMONT SAVINGS BANK CLAREMONT NH $237.2516 0.81

GUARANTY BANCORP, INC. WOODSVILLE NH $213.0417 0.73

Woodsville Guaranty Savi Woodsville NH $213.04

SAVINGS BANK OF WALPOLE WALPOLE NH $206.6918 0.70

FEDERAL SAVINGS BANK DOVER NH $186.6619 0.64

FRANKLIN SAVINGS BANK FRANKLIN NH $186.3420 0.63




CENTRIX BANK & TRUST BEDFORD NH $160.8723 0.55

SUGAR RIVER SAVINGS BANK NEWPORT NH $158.0224 0.54

PISCATAQUA SAVINGS BANK PORTSMOUTH NH $143.3825 0.49

SALEM CO-OPERATIVE BANK SALEM NH $141.1626 0.48


LANCASTER NH $117.4627 0.40

The Lancaster National B Lancaster NH $51.02

The Siwooganock Bank Lancaster NH $66.44

FIRST COLEBROOK BANCORP, INC. COLEBROOK NH $113.8828 0.3966


Commercial Banking and Thrift Organizations Operating In New HampshireDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04

The First Colebrook Bank Colebrook NH $113.88

BOW MILLS BANK AND TRUST BOW NH $110.6029 0.38

PROFILE BANK, FSB ROCHESTER NH $99.4830 0.34

VILLAGE FINANCIAL CORPORATION GILFORD NH $70.2031 0.24

Village Bank & Trust Com Gilford NH $70.20

COMMUNITY GUARANTY CORPORATION PLYMOUTH NH $61.1832 0.21

Community Guaranty Savin Plymouth NH $61.18

MONADNOCK COMMUNITY BANK PETERBOROUGH NH $34.3233 0.12




VT $18.5835 0.06




BANK OF MONTREAL MONTREAL $0.5037 0.00

Harris Bank (NH), Nation Nashua NH $0.50



100.00%


67

RHODE ISLAND

68


Commercial Banking and Thrift Organizations Operating In Rhode IslandDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04


EDINBURGH $8,246.051 41.48

Citizens Bank of Rhode I Providence RI $8,246.05



Fleet Bank (RI), Nationa Providence RI $80.44



WASHINGTON TRUST BANCORP, INC. WESTERLY RI $1,287.764 6.48

The Washington Trust Com Westerly RI $1,287.76

METLIFE, INC. NEW YORK NY $1,022.045 5.14

Metlife Bank, National A Bridgewater NJ $1,022.04

BANCORP RHODE ISLAND, INC. PROVIDENCE RI $888.246 4.47

Bank Rhode Island Providence RI $888.24

BANK OF NEWPORT NEWPORT RI $676.237 3.40

CENTREVILLE SAVINGS BANK WEST WARWICK RI $546.958 2.75

WEBSTER FINANCIAL CORPORATION WATERBURY CT $212.979 1.07

Webster Bank, National A Waterbury CT $212.97

HOME LOAN FINANCIAL CORP. WARWICK RI $194.5710 0.98

Home Loan and Investment Warwick RI $194.57



NEWPORT FEDERAL SAVINGS BANK NEWPORT RI $121.2112 0.61

WESTERLY SAVINGS BANK WESTERLY RI $52.5413 0.26


MILFORD MA $43.4114 0.22


Freedom National Bank Greenville RI $38.08

INDEPENDENCE BANK EAST GREENWICH RI $34.5916 0.17


RI $30.4317 0.15





TALBOTS CLASSICS NATIONAL BANK LINCOLN RI $5.9920 0.03


J.P. MORGAN CHASE & CO. NEW YORK NY $0.0022 0.00




100.00%


69

VERMONT

70


Commercial Banking and Thrift Organizations Operating In VermontDeposit Data as of 6/30/04 -- Mergers and Acquisitions through 6/30/04


Chittenden Trust Company Burlington VT $2,551.16





MERCHANTS BANCSHARES INC. BURLINGTON VT $818.044 9.08

The Merchants Bank Burlington VT $818.04

KEYCORP CLEVELAND OH $449.575 4.99

Keybank National Associa Cleveland OH $449.57

NORTHFIELD MHC NORTHFIELD VT $378.076 4.19

Northfield Savings Bank Northfield VT $378.07

UNION BANKSHARES, INC. MORRISVILLE VT $288.287 3.20

Union Bank Morrisville VT $288.28


VT $269.048 2.98



VT $255.899 2.84

The Factory Point Nation Manchester Cente VT $255.89

COMMUNITY BANCORP. DERBY VT $253.0510 2.81

Community National Bank Derby VT $253.05



PEOPLES TRUST COMPANY OF ST. ALBANS SAINT ALBANS VT $174.7412 1.94

MIDDLEBURY NATIONAL CORPORATION MIDDLEBURY VT $152.1813 1.69

The National Bank of Mid Middlebury VT $152.18

LYNDONVILLE SAVINGS BANK AND TRUST LYNDONVILLE VT $120.8014 1.34

COMMUNITY FINANCIAL, MHC BENNINGTON VT $119.2915 1.32

The Bank of Bennington Bennington VT $119.29

THE BRATTLEBORO SLA, F.A. BRATTLEBORO VT $116.3016 1.29

CENTRAL FINANCIAL CORPORATION RANDOLPH VT $107.0817 1.19

The Randolph National Ba Randolph VT $107.08

WELLS RIVER SAVINGS BANK WELLS RIVER VT $94.9018 1.05

FIRST BRANDON NATIONAL BANK BRANDON VT $76.0219 0.84

FIRST COMMUNITY BANK WOODSTOCK VT $53.3620 0.59


THE FIRST NATIONAL BANK OF ORWELL ORWELL VT $22.5022 0.25



TRUSTCO BANK CORP. GLENVILLE NY $6.7824 0.08

TrustCo Bank Glenville NY $6.78



100.00%

Sources: FDIC and OTS Reports of Condition.71

IV. NEW ENGLAND BANKING MARKET

MAPS AND DEFINITIONS

72

MARKET CONCENTRATION INFORMATION

The New England banking market maps have been shaded according to their level

of concentration under the assumption of 100 percent thrift weight inclusion. Market

concentration is measured by the Herfindahl-Hirschman Index (HHI), which is

computed as the sum of each institution's squared market share of deposits. The

Department of Justice defines market concentration level as follows: an

unconcentrated market is one with an HHI below 1,000 points; a moderately

concentrated market has an HHI between 1,000 and 1,800 points; and a highly

concentrated market has an HHI of more than 1,800 points.

73

BANKING MARKET MAPS

74

Connecticut Banking Markets

WESTERLYRI

HOPKINTONRI

Connecticut portion ofWorcester, MA Market

Rhode Island portion of New London, CT Market

Area not assigned to a market

Unconcentrated market

Moderately concentrated market

Highly concentrated market

Connecticut portion of NY/NJ metro area Market

DARIEN GREENWICH

NORWALK STAMFORD

WESTPORT

NEW CANAAN BRIDGEPORT

FAIRFIELD

STRATFORD WILTON MILFORD WESTON

TRUMBULL WEST HAVEN ORANGE BRANFORD OLD SAYBROOK CLINTON

EASTON

WESTBROOK NEW HAVEN DERBY

REDDING OLD LYME EAST HAVEN

ANSONIA ESSEX NEW LONDON

SHELTON RIDGEFIELD

GROTON MONROE DEEP RIVER WOODBRIDGE

WATERFORD

NORTH BRANFORD STONINGTON SEYMOUR

CHESTER

GUILFORD

NORTH HAVEN LYME

MADISON

BETHEL EAST LYME

KILLINGWORTH

HAMDEN

BEACON FALLS

BETHANY DANBURY NEWTOWN

LEDYARD OXFORD

DURHAM MONTVILLE HADDAM WALLINGFORD SOUTHBURY

NAUGATUCK

NORTH STONINGTONBROOKFIELD SALEM

PROSPECT

EAST HADDAM

NEW FAIRFIELD MIDDLEFIELD

PRESTON CHESHIRE

BRIDGEWATER MIDDLEBURY MERIDEN

BOZRAH NORWICH MIDDLETOWN ROXBURY COLCHESTER

WOODBURY WATERBURY GRISWOLD VOLUNTOWN

CROMWELL PORTLAND

LISBON EAST HAMPTON

WOLCOTT BERLIN

SPRAGUE

SOUTHINGTON FRANKLIN

BETHLEHEM

WATERTOWN

SHERMAN

MARLBOROUGH

ROCKY HILL

NEW MILFORD

PLAINVILLE

LEBANON

THOMASTON NEW BRITAIN WASHINGTON

PLYMOUTH

MORRIS NEWINGTON BRISTOL

HEBRON

WETHERSFIELD COLUMBIA SCOTLAND GLASTONBURY

WINDHAM

CANTERBURY

PLAINFIELD

ANDOVER

STERLING

FARMINGTON WARREN

EAST HARTFORD

LITCHFIELD KENT HARWINTON BOLTON WEST HARTFORD

HARTFORD BURLINGTON

MANCHESTER BROOKLYN AVON

HAMPTON CHAPLIN MANSFIELD COVENTRY

SOUTH WINDSOR VERNON NEW HARTFORD KILLINGLY

TORRINGTON BLOOMFIELD POMFRET

SIMSBURY

GOSHEN CANTON

TOLLAND

PUTNAM

CORNWALL WINDSOR SHARON

EAST WINDSOR WINDSOR LOCKS

WILLINGTON

ELLINGTON

EASTFORD ASHFORD

WINCHESTER BARKHAMSTED EAST GRANBY

CANAAN THOMPSON WOODSTOCK

UNION STAFFORD SOMERS ENFIELD SUFFIELD GRANBY

HARTLAND COLEBROOK

NORFOLK

NORTH CANAAN

SALISBURY

Fairfield

Torrington

New Haven

Hartford

New LondonWaterbury

75

76

WESTFORD

GROTON

TYNGSBOROUGH DUNSTABLE

CHILMARK

GAY HEAD

NANTUCKET

CHILMARK

EDGARTOWN

GOSNOLD OAK BLUFFS

WEST TISBURY

TISBURY

FAIRHAVEN

FALMOUTH

MASHPEE

WESTPORT

CHATHAM

MATTAPOISETT

MARION

DARTMOUTH

YARMOUTH

HARWICH

BARNSTABLE NEW BEDFORD

ACUSHNET FALL RIVER

DENNIS BOURNE SANDWICH

SOMERSET

BREWSTER

SANDWICH

ROCHESTER BOURNE SWANSEA FREETOWN

ORLEANS

WAREHAM

BERKLEY DIGHTON

EASTHAM

SEEKONK

LAKEVILLE

REHOBOTH

CARVER

MIDDLEBOROUGH

WELLFLEET

PLYMOUTH

ATTLEBORO RAYNHAM

TAUNTON

BRIDGEWATER NORTON NORTH ATTLEBOROUGH PLYMPTON

KINGSTON HALIFAX

PLAINVILLE WEST

BRIDGEWATERMANSFIELD

MILLVILLE BLACKSTONE

EASTBRIDGEWATER

LONGMEADOW

TRURO

PROVINCETOWN

WRENTHAM WEBSTER HOLLAND

EAST LONGMEADOW DUDLEY WALES

EASTON

HANSON DUXBURY DOUGLAS

WHITMAN

HAMPDEN FOXBOROUGH

SOUTHBRIDGE SOUTHWICK

AGAWAM UXBRIDGE PEMBROKE

BROCKTON BELLINGHAM

FRANKLIN MENDON

GRANVILLE

NORFOLK ABINGTON AVON HOPEDALE

TOLLAND

HANOVER

MONSON

STOUGHTON NORTHBRIDGE

SPRINGFIELD SHARON MARSHFIELD WEST SPRINGFIELD

HOLBROOK

MOUNT WASHINGTON ROCKLAND

SHEFFIELD STURBRIDGE

MEDWAY

NEW MARLBOROUGH

BRIMFIELD WILBRAHAM MILFORD

CHARLTON SUTTON OXFORD

NORWELL

SANDISFIELD

MILLIS

WALPOLE

RANDOLPH

WESTFIELD

NORWOOD MEDFIELD

CHICOPEE CANTON

UPTON

AUBURN

RUSSELL EGREMONT

LUDLOW HOLLISTON MILLBURY

BRAINTREE BROOKFIELD

EAST BROOKFIELD PALMER

MONTGOMERY GRAFTON WARREN MONTEREY SCITUATE WESTWOOD

BLANDFORD OTIS

WEYMOUTH

COHASSET HOPKINTON

SHERBORN GREAT BARRINGTON HINGHAM

MILTON DEDHAM DOVER SOUTHAMPTON LEICESTER

ASHLAND

HOLYOKE

EASTHAMPTON TYRINGHAM

WEST BROOKFIELD

WESTBOROUGH

QUINCY

NORTH BROOKFIELD SOUTH HADLEY

SPENCER

GRANBY

HULL

ALFORD

NEEDHAM

WELLESLEY SOUTHBOROUGH NATICK SHREWSBURY WORCESTER

PAXTON

BECKET

BROOKLINE

HUNTINGTON

CHESTER FRAMINGHAM WARE

BELCHERTOWN

NORTHBOROUGH NEW BRAINTREE

STOCKBRIDGE

WEST STOCKBRIDGE NEWTON WESTHAMPTON

MARLBOROUGH

NORTHAMPTON LEE

WATERTOWN

BOSTON

WINTHROP

BOYLSTON MIDDLEFIELD WESTON CAMBRIDGE OAKHAM WEST BOYLSTON

EVERETT

HUDSON

WAYLAND

CHELSEA

NAHANT

BELMONT BERLIN SOMERVILLE

HARDWICK

PELHAM WALTHAM

LENOX WASHINGTON

HATFIELD

HADLEY

HOLDEN

ARLINGTON CLINTON

SUDBURY

AMHERST

RICHMOND

MALDEN

CHESTERFIELD RUTLAND

MAYNARD REVERE MEDFORD WORTHINGTON

WILLIAMSBURG

LINCOLN STOW

WINCHESTER MELROSE

WHATELY BOLTON

BARRE

GOSHEN LEXINGTON PERU

SWAMPSCOTT

STERLING HINSDALE

STONEHAM CONCORD

SAUGUS CUMMINGTON LYNN

SHUTESBURY SUNDERLAND PITTSFIELD

PRINCETON

BOXBOROUGH LEVERETT

MARBLEHEAD BEDFORD

WOBURN

WAKEFIELD

ACTON LANCASTER

BURLINGTON SALEM

HUBBARDSTON

NEW SALEM PETERSHAM

HARVARD DALTON

CARLISLE PLAINFIELD READING

WINDSOR PEABODY

LEOMINSTER ASHFIELD LYNNFIELD LITTLETON

AYER

DEERFIELD CONWAY

BEVERLY

LANESBOROUGH

MANCHESTER NORTH READING

WENDELL BILLERICA DANVERS

WILMINGTON MONTAGUE

CHESHIRE

WENHAM

PHILLIPSTON TEMPLETON WESTMINSTER

GARDNER

BUCKLAND

SHIRLEY

HAWLEY FITCHBURG

ERVING MIDDLETON

LUNENBURG

NEW ASHFORD

HANCOCK

ATHOL

SHELBURNE CHELMSFORD

TEWKSBURY SAVOY GREENFIELD

HAMILTON GLOUCESTER

ROCKPORT LOWELL ADAMS TOPSFIELD ESSEX

ORANGE

CHARLEMONT GILL

IPSWICH

ANDOVER PEPPERELL TOWNSEND

ASHBY

ASHBURNHAM WINCHENDON

LAWRENCE

ROYALSTON

NORTH ADAMS

WARWICK

NORTHFIELD

BERNARDSTON DRACUT BOXFORD

LEYDEN

NORTH ANDOVER

COLRAIN HEATH ROWE

ROWLEY

MONROE

FLORIDA

GEORGETOWN ROWLEY

CLARKSBURG

WILLIAMSTOWN

GROVELAND

METHUEN

NEWBURY

WEST NEWBURY HAVERHILL

NEWBURYPORT

AMESBURY SALISBURY

STAMFORD

LITTLE COMPTON

TIVERTON

THOMPSON

Mont Vernon

Derry

Pelham

New Ipswich

Greenville

Brookline Mason Hollis

Hudson

Windham Milford

Wilton Litchfield

Merrimack Amherst

Londonderry Lyndeborough

Nashua

Salem

Atkinson

South Hampton Seabrook Hampstead

Kingston

Brentwood

East Kingston Danville

Sandown

Freemont

Fitzwilliam

Sharon Jaffrey

Temple

Dublin Peterborough

Greenfield

Hancock

Francestown Bennington

Antrim

Deering

Mason

Newton

Raymond

Chester

MERRIMAC

Plaistow

Massachusetts portion of Providence, RI market

Vermont portion of Pittsfield, MA market

New Hampshire portion of Boston, MA market

Connecticut portion of Worchester, MA market

Rhode Island portion of Fall River, MA market

Massachusetts Banking Markets





Cape Cod

Pittsfield

SpringfieldWorchester

Boston

Martha's Vinyard Nantucket

New BedfordFall River

77

78

79

Vermont Banking Markets





Burlington

Middlebury

Manchester

Bennington

Rutland

Brattleboro

Springfield

Randolph

Barre-Montpelier

Newport

St. JohnsburyMorristown

Waitsfield

VERNON

GUILFORD HALIFAX WHITINGHAM STAMFORD POWNAL READSBORO

BRATTLEBORO MARLBORO WILMINGTON

SEARSBURG WOODFORD BENNINGTON

DUMMERSTON DOVER NEWFANE

PUTNEY

SOMERSET

GLASTENBURY SHAFTSBURY

WARDSBORO BROOKLINE

STRATTON SUNDERLAND WESTMINSTER ARLINGTON

TOWNSHEND

ATHENS JAMAICA

WINHALL MANCHESTER SANDGATE GRAFTON ROCKINGHAM WINDHAM

LONDONDERRY

LANDGROVE

PERU DORSET RUPERT

SPRINGFIELD CHESTER ANDOVER

BALTIMORE

WESTON

MOUNT TABOR DANBY PAWLET

WEATHERSFIELD CAVENDISH

LUDLOW

WELLS MOUNT HOLLY TINMOUTH

WALLINGFORD WINDSOR

WESTWINDSORMIDDLETOWN SPRINGS READING

CLARENDON SHREWSBURY PLYMOUTH POULTNEY

HARTLAND

RUTLAND CITY

IRA

WOODSTOCK WEST RUTLAND

RUTLAND TOWN FAIR HAVEN

WEST HAVEN CASTLETON

BRIDGEWATER

PROCTOR

MENDON

KILLINGTON

HARTFORD(WHITE RIVER

JUNCT.)

POMFRET HUBBARDTON PITTSFORD BENSON BARNARD

NORWICH STOCKBRIDGE SHARON PITTSFIELD

SUDBURY BRANDON

CHITTENDEN

ORWELL ROYALTON THETFORD

LEICESTER BETHEL

WHITING

GOSHEN STRAFFORD

SHOREHAM

ROCHESTER

TUNBRIDGE SALISBURY FAIRLEE HANCOCK

WEST FAIRLEE RANDOLPH VERSHIRE

CORNWALL BRAINTREE BRIDPORT RIPTON

BRADFORD CHELSEA

MIDDLEBURY GRANVILLE BROOKFIELD CORINTH

WEYBRIDGE ROXBURY ADDISON

WASHINGTON

WILLIAMSTOWN LINCOLN

WALTHAM PANTON

WARREN NEW HAVEN

VERGENNES

NEWBURY TOPSHAM

BRISTOL NORTHFIELD

BARRE CITY

ORANGE

BUELL'S GORE BARRE TOWN WAITSFIELD

BERLIN FERRISBURG RYEGATE FAYSTON

PLAINFIELD MONKTON GROTON STARKSBORO

MONTPELIER MORETOWN

EAST MONTPELIER

CHARLOTTE HUNTINGTON DUXBURY

HINESBURG MARSHFIELD

PEACHAM BARNET MIDDLESEX

ST. GEORGE CALAIS

WATERFORD RICHMOND SHELBURNE

WATERBURY CABOT BOLTON WORCESTER

WILLISTON CONCORD WOODBURY

SO. BURLINGTON ST. JOHNSBURY

WINOOSKI

DANVILLE

LUNENBURG WALDEN

BURLINGTON

ELMORE JERICHO STOWE

KIRBY

STANNARD ESSEX HARDWICK

LYNDON GUILDHALL MORRISTOWN

VICTORY COLCHESTER WHEELOCK WOLCOTT

UNDERHILL

WESTFORD GRANBY GREENSBORO BURKE

HYDE PARK SOUTH HERO SHEFFIELD EAST HAVEN

MAIDSTONE CAMBRIDGE CRAFTSBURY JOHNSON MILTON

GLOVER SUTTON

FLETCHER NEWARK

NORTH HERO

FAIRFAX GRAND ISLE

WATERVILLE EDEN ALBANY GEORGIA BRUNSWICK

BELVIDERE

FERDINAND

WESTMORE

NORTH HERO

BARTON

ST. ALBANS CITY

LOWELL

BAKERSFIELD BLOOMFIELD BRIGHTON (ISL. POND)

IRASBURG BROWNINGTON ST. ALBANS TOWN

FAIRFIELD

CHARLESTON ISLE LA MOTTE

MONTGOMERY WESTFIELD

LEWIS MORGAN ENOSBURG COVENTRY

SHELDON WARNER'S GRANT

WARREN'S GORE AVERY'S GORE LEMINGTON

NEWPORT CITY AVERILL

NEWPORT TOWN HOLLAND DERBY

SWANTON

NORTON CANAAN TROY JAY RICHFORD BERKSHIRE

ALBURG

FRANKLIN

LAKE CHAMPLAIN

HIGHGATE

Vermont portion of Pittsfield, MA Market

Vermont portion of Hanover-Lebanon, NH Market

Vermont portion of Haverill, NH Market

Vermont portion of Littleton, NH Market

Vermont portion of Colebrook, NH Market

New Hampshire portion of Brattleboro, VT Market

Hinsdale, NH

80

BANKING MARKET DEFINITIONS

81

CONNECTICUT BANKING MARKET DEFINITIONS: Fairfield Area This portion of Connecticut is included in the Second District's NY-NJ Metro

Area banking Market.

Hartford This definition is based on the Hartford RMA. Andover, Ashford, Avon, Barkhamsled, Berlin, Bloomfield, Bolton, Bristol City, Broad Brook, Burlington, Canton, Centerbrook, Chaplin, Chester, Colchester, Colebrook, Collinsville, Columbia, Coventry, Cromwell, Deep River, Durham, East Granby, East Haddam, East Hampton, East Hartford, East Windsor, Eastford, Ellington, Enfield, Essex, Farmington, Forestville, Glastonbury, Granby, Haddam, Hampton, Hartford City, Hartland, Hebron, Higganum, Kensington, Lebanon, Manchester, Mansfield, Marlborough, Middlefield, Middletown City, Moodus, New Britain City, New Hartford, Newington, North Windham, Old Saybrook, Plainville, Plantsville, Plymouth, Poquonock, Portland, Rockville City, Rocky Hill, Scotland, Simsbury, Somers, South Glastonbury, South Windsor, Southington, Southingtonboro, Stafford, Stafford Springs, Storrs, Storrs Mansfield, Suffield, Terryville, Thompsonville, Tolland, Union, Unionville, Vernon, Vernon-Rockville, Warehouse Point, Weatogue, West Hartford, West Suffield, West Willington, Wethersfield, Willimantic City, Willington, Winchester, Windham, Windsor, Windsor Locks, Winsted City

New Haven New Haven RMA, in addition the town of Westbrook.

New London This definition is based on the New London-Norwich RMA. CONNECTICUT PORTION: Baltic, Bozrah, Brooklyn, Canterbury, Central Village, Danielson, Dayville, East Lyme, Franklin, Gales Ferry, Griswold, Groton, Jewett City, Killingly, Ledyard, Lisbon, Lyme, Montville, Moosup, Mystic, New London City, Niantic, North Stonington, Norwich, Old Lyme, Old Mystic, Pawcatuck, Plainfield, Pomfret, Preston, Putnam, Salem, Sprague, Sterling, Stonington, Uncasville, Voluntown, Waterford, Woodstock RHODE ISLAND PORTION: Hopkinton and Westerly

Torrington This definition is based on the Torrington RMA. Goshen, Harwinton, Litchfield, Morris, Torrington City

Waterbury Waterbury RMA.

82

MAINE BANKING MARKET DEFINITIONS: Augusta This definition is based on the Augusta RMA .

Augusta City, Belgrade, Chelsea, China, Farmingdale, Fayette, Gardiner City, Hallowell, Hibberts Gore, Jefferson, Litchfield, Manchester, Monmouth, Mount Vernon, Palermo, Pittston, Randolph, Readfield, Richmond, Rome, Sidney, Somerville, Vassalboro, Vienna, Wayne, West Gardiner, Whitefield, Windsor, Winthrop

Bangor This definition is based on the Bangor RMA. Alton, Amherst, Argyle, Aurora, Bangor City, Beddington, Bradford, Bradley, Brewer City, Bucksport, Burlington, Carmel, Charleston, Clifton, Corinna, Corinth/East Corinth, Deblois, Dedham, Dexter, Dixmont, East Central Penobscot UT, Eddington, Edinburg, Enfield, Etna, Exeter, Frankfort, Garland, Glenburn, Great Pond, Greenbush, Hampden, Hermon, Holden, Howland, Hudson, Kenduskeag, LaGrange, Levant, Lowell, Maxfield, Medford, Milford, Newburgh, Newport, Old Town, Orland, Orono, Orrington, Otis, Passadumkeag, Penobscot Indian Island Reservation, Plymouth, Prospect, Stetson, Veazie, Verona, Winterport

Bar Harbor The Hancock County townships of Bar Harbor, Cranberry Isles, Mount Desert, Northeast Harbor, Southwest Harbor, and Tremont

Bath This definition is based on the Brunswick-Bath RMA. Alna, Arrowsic, Bath City, Bowdoin, Bowdoinham, Brunswick, Dresden, Edgecomb, Georgetown, Harpswell, Phippsburg, Topsham, West Bath, Westport, Wiscasset, and Woolwich

Belfast The city of Belfast and the Waldo County townships of Belmont, Brooks, Jackson, Knox, Liberty, Monroe, Montville, Morrill, Northport, Searsmont, Searsport, Stockton Springs, Swanville, and Waldo

Blue Hill Hancock County townships of Blue Hill, Brooklin, Brooksville, Castine, Deer Isle, Penobscot, Sedgwick, and Stonington

Boothbay Harbor The Lincoln County townships of Boothbay, Boothbay Harbor, and Southport

Calais The Washington County cities of Calais and Eastport, and the townships of Alexander, Baileyville, Baring, Charlotte, Codyville Pl., Cooper, Crawford, Dennysville, Grand Lake Stream Pl., Meddybemps, North Washington UT, Passamaquoddy Indian Township Reservation, Passamaquoddy Pleasant Point Reservation, Pembroke, Perry, Princeton, Robbinston, Talmadge, Topsfield, Vanceboro, Waite

Damariscotta Lincoln County townships of Bremen, Bristol, So. Bristol, Damariscotta, Newcastle, Nobleboro

83

Ellsworth Central Hancock UT, East Hancock UT, Ellsworth City, plus the Hancock County townships of Eastbrook, Franklin,Gouldsboro, Hancock, Lamoine, Mariaville, Osborn, Sorrento, Sullivan, Surry, Trenton,Waltham, and Winter Harbor; and the Washington County town of Steuben

Farmington Franklin County townships of Avon, Cararabassett Valley, Chesterville, Coplin, East Central Franklin UT, Eutis, Farmington, Industry, Jay, Kingfield, Madrid, New Sharon, New Vineyard, Phillips, South Franklin UT, Strong, Temple, Weld, Wilton, and Wyman; the Somerset County township of New Portland

Fort Kent Aroostook County townships of Allagash, Eagle Lake, Fort Kent, New Canada, St. Francis, St. John Pl., Wallagrass, and Winterville Pl.

Guilford Piscataquis County townships of Abbot, Atkinson, Beaver Cove, Blanchard, Bowerbank, Brownville, Dover-Foxcroft, Greenville, Guilford, Lake ViewPl., Milo, Monson, Northeast Piscataquis UT, Northwest Piscataquis UT, Parkman, Sangerville, Sebec, Shirley, Southeast Piscataquis UT, and Willimantic; Somerset township of Cambridge and Ripley

Houlton The Aroostook County townships of Amity, Bancroft, Cary Pl., Crystal, Dyer Brook, Hammond Pl., Haynesville, Hersey, Hodgdon, Houlton, Island Falls, Linneus, Littleton, Ludlow, Merrill, Monticello, Moro Pl., NewLimerick, Oakfield, Orient, Reed, Sherman, Smyrna, and Weston; the Washington County township of Danforth; and the Penobscot County townships of Mount Chase, Patten, and Stacyville

Lewiston This definition is based on the Lewiston-Auburn RMA. Auburn City, Buckfield, Canton, Greene, Hartford, Hebron, Leeds, Lewiston City, Lisbon, Livermore, Livermore Falls, Mechanic Falls, Minot, Poland, Sabattus, Sumner, Turner, and Wales

Lincoln The Penobscot County townships of Carroll Pl., Chester, Drew Pl., Kingman UT, Lakeville Pl., Lee, Lincoln, Mattamiscontis, Prentiss UT, Springfield, Webster, and Winn; Aroostook County township of Macwahoc Pl.

Machias The Washington County townships of Addison, Beals, Centerville, Cherryfield, Columbia, Columbia Falls, Cutler, East Central Washington UT, East Machias, Harrington, Jonesboro, Jonesport, Lupec, Machias, Machiasport, Marshfield, Milbridge, Northfield, Rogue Bluffs, Wesley, Whiting, and Whitneyville

Madawaska Aroostook County townships of Frenchville, Grand Isle, Madawaska, and St. Agatha

Millinocket Penobscot County townships of East Millinocket, Medway, Millinocket, North Penobscot UT, Seboeis Pl., South Aroostook UT, Woodville

Paris-Norway Oxford County townships of Bethel, Gilead, Greenwood, Newry, Norway, Oxford, Paris, South Oxford UT, Stoneham, West Paris, and Woodstock

84

Pittsfield (ME) The Waldo County township of Burnham; the Somerset County townships of Detroit, Hartland, Palmyra, Pittsfield, and St. Albans

Portland This definition is based on the Portland RMA. Alfred, Arundel, Baldwin, Biddeford, Bridgton, Buxton, Cape Elizabeth, Casco, Cornish, Cumberland, Dayton, Durham, Falmouth, Freeport, Gorham, Gray, Harrison, Hiram, Hollis, Kennebunk, Kennebunkport, Limerick, Limington, Long Island, Lyman, Naples, New Gloucester, Newfield, North Yarmouth, Old Orchard Beach, Otisfield, Parsonsfield, Porter, Portland City, Pownal, Raymond, Saco, Sanford, Scarborough, Sebago, Shapleigh, South Portland City, Standish, Sweden, Waterboro, Waterford, Westbrook City, Windham, and Yarmouth

Presque-Isle-Caribou

The Aroostook County townships of Ashland, Blaine, Bridgewater, Caribou, Castle Hill, Caswell Pl., Central Aroostook UT, Chapman, Connor, Cyr Pl., Easton, Fort Fairfield, Garfield Pl., Hamlin, Limestone, Mapleton, Mars Hill, Masardis, Nashville Pl., New Sweden, Northwest Aroostook UT, Oxbow Pl., Perham, Portage Lake, Presque Isle, Square Lake UT, Stockholm, Van Buren, Wade, Washburn, Westfield, Westmanland Pl., and Woodland

Rangeley Franklin County townships of Dallas Pl., North Franklin UT, Rangeley, Rangeley Pl., Sandy River Pl.; the Oxford County townships of Lincoln Pl. and North Oxford UT

Rockland The city of Rockland and the Knox County townships of Appleton, Camden, Cushing, Friendship, Hope, Owls Head, Rockport, St. George, Thomaston, South Thomaston, Union, Vinalhaven, Warren, and Washington; the Lincoln County township of Waldoboro

Rumford Oxford County townships of Andover, Dixfield, Hanover, Mexico, Milton, Peru, Roxbury, and Rumford, and the Franklin County townships of Byron and Carthage

Waterville This definition is based on the Waterville RMA. Albion, Anson, Athens, Benton, Bingham, Brighton, Canaan, Caratunk, Central Somerset UT, Clinton, Cornville, Dennistown, Embden, Fairfield, Freedom, Harmony, Highland, Jackman, Madison, Mercer, Moose River, Moscow, Norridgewock, Northeast Somerset UT, Northwest Somerset UT, Oakland, Pleasant Ridge Pl., Seboomook Lake UT, Skowhegan, Smithfield, Solon, Starks, The Forks Pl., Thorndike, Troy, Unity UT, Unity, Waterville City, Wellington, West Forks Pl., and Winslow

85

MASSACHUSETTS MARKET DEFINITIONS: Boston This definition is based on the Boston RMA. MASSACHUSETTS PORTION:

Abington, Acton, Allston, Amesbury, Andover, Arlington, Ashburnham, Ashby, Ashland, Athol, Auburndale, Avon, Ayer, Bedford, Bellingham, Belmont, Berkley, Berlin, Beverly City, Billerica, Blackstone, Bolton, Boston City, Boxboro, Boxford, Braintree, Bridgewater, Brighton, Brockton City, Brookline, Burlington, Cambridge, Canton, Carlisle, Carver, Charlestown, Chelmsford, Chelsea, Chester, Chestnut Hill, Cochituate, Cohasset, Concord, Danvers, Dedham, Dighton, Dorceshter, Dover, Dracut, Dunstable, Duxbury, East Bridgewater, Easton, Essex, Everett, Fitchburg City, Foxboro, Framingham, Franklin, Fremont, Gardner City, Georgetown, Glouchester City, Groton, Grove Hall, Groveland, Halifax, Hamilton, Hanover, Hanson, Harvard, Haverhill City, Hingham, Holbrook, Holliston, Hopedale, Hopkinton, Hubbardston, Hudson, Hull, Hyde Park, Ipswich, Jamaica Plain, Kingston, Lakeville, Lancaster, Lawrence City, Leominster City, Lexington, Lincoln, Littleton, Lowell City, Lunenburg, Lynn, Lynnfield, Malden, Manchester, Manomet, Mansfield, Marblehead, Marlborough City, Marshfield, Mattapan, Maynard, Medfield, Medford, Medway, Melrose, Mendon, Merrimac, Methuen, Middleboro, Middleton, Milford, Millis, Millville, Milton, Nahant, Natick, Needham, Newbury, Newburyport City, Newton City, Newtonville, Norfolk, North Abington, North Andover, North Reading, Norton, Norwell, Norwood, Orange, Peabody City, Pembroke, Pepperell, Petersham, Phillipston, Plainville, Plymouth, Plympton, Quincy, Randolph, Raynham, Reading, Readville, Revere, Rockland, Rockport, Rowley, Roxbury, Royalston, Salem City, Salisbury, Saugus, Scituate, Sharon, Sherborn, Shirely, Somerville, Southborough, Stoneham, Stoughton, Stow, Sudbury, Swampscott, Taunton City, Templeton, Tewksbury, Topsfield, Townsend, Tyngsboro, Upton, Waban, Wakefield, Walpole, Waltham City, Wareham, Warwick, Watertown, Wayland, Wellesley, Wentham, West Bridgewater, West Newbury, Westford, Westminster, Weston, Westwood, Weymouth, Whitman, Wilmington, Winchendon, Winchester, Winthrop, Woburn, Wollaston, Wrenthan; NEW HAMPSHIRE PORTION: Amherst, Antrim, Atkinson, Bennington, Brookline, Chester, Danville, Deering, Derry, Dublin, East Hamstead, Fitzwilliam, Francestown, Fremont, Greenfield, Greenville, Hampstead, Hancock, Hollis, Hudson, Jaffrey, Kingston, Litchfield, Lyndeboro, Mason, Merrimac, Milford, Mont Vernon, Nashua City, New Ipswich, Newton, Pelham, Peterborough, Plaistow, Raymond, Rindge, Salem, Sandown, Seabrook, Sharon, South Hampton, South Nashua, Temple, Wilton, Windham

Cape Cod Barnstable County

Fall River Fall River RMA (composed of towns in Massachusetts and Rhode Island).

Martha’s Vineyard

Dukes County

Nantucket Nantucket County

New Bedford New Bedford RMA

Pittsfield (MA) This definition is based on the Pittsfield RMA. MASSACHUSETTS PORTION: Adams, Alford, Becket, Cheshire, Clarksburg, Dalton, Egremont, Florida, Great Barrington, Hancock, Hinsdale, Lanesboro, Lee, Lenox, Monroe, Monterey, Mount Washington, New Ashford, New Marlborough, North Adams, Otis, Peru, Pittsfield City, Richmond, Sandisfield, Savoy, Sheffield, South

86

Egremont, Stockbridge, Tyringham, Washington, West Stockbridge, Williamstown, Windsor. VERMONT PORTION: Stamford

Springfield (MA) This definition is based on the Springfield RMA. Agawam, Amherst, Ashfield, Belchertown, Bernardston, Blanford, Brimfield, Buckland, Charlemont, Chester, Chesterfield, Chicopee City, Colrain, Conway, Cummington, Deerfield, Easthampton, East Longmeadow, East Springfield, Erving, Florence, Gill, Granby, Greenfield, Feeding Hills, Goshen, Granville, Hadley, Hampden, Hatfield, Hawley, Haydenville, Heath, Holland, Holyoke City, Huntington, Indian Orchard, Leverett, Leyden, Longmeadow, Ludlow, Middlefield, Monson, Montgomery, New Salem, Northampton City, Northfield, Palmer, Pelham, Plainfield, Rowe, Russell, Shelburne, Shelburne Falls, Shutesbury, Springfield City, South Deerfield, South Hadley, Southampton, Southwick, Sunderland, Three Rivers, Tolland, Turner Falls, Wales, Ware, Wendell, Westfield City, Westhampton, West Springfield, Whately, Wilbraham, Williamsburg, Worthington

Worcester This definition is based on the Worcester RMA. MASSACHUSETTS PORTION: Auburn, Barre, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, East Brookfield, East Douglas, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Northboro, North Brookfield, North Grafton, Northbridge, Oakham, Oxford, Paxton, Princeton, Rochdale, Rutland, Shrewsbury, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Uxbridge, Warren, Webster, Westboro, West Brookfield, West Boylston, Whitinsville, Worcester City. CONNECTICUT PORTION: Thompson

87

NEW HAMPSHIRE MARKET DEFINITIONS: Berlin The City of Berlin and the towns of Dummer, Gorham, Milan, Randolph, and

Shelburne in Coos County MAINE PORTION: The town of Upton

Claremont Sullivan County townships of Claremont, Charlestown, Croydon, Goshen, Lempster, Newport, Sunapee, and Unity

Colebrook Coos County townships of Clarksville, Colebrook, Columbia, Pittsburg, Stewartston, and West Stewartston MAINE PORTION: Magalloway Pl. in Oxford County VERMONT PORTION: The towns of Averill, Bloomfield, Canaan, Lemington, and Norton

Concord This definition is based on the Concord RMA. Alexandria, Andover, Barnstead, Boscawen, Bow, Bradford, Bridgewater, Bristol, Canterbury, Chichester, Contoocook, Concord City, Danbury, Epsom, Franklin, Gilmanton, Hebron, Henniker, Hill, Hillsborough, Hopkinton, Loudon, New London, Newbury, Northfield, Pembroke, Penacook, Pittsfield, Salisbury, Sanbornton, Suncook, Sutton, Tilton, Warner, Washington, Webster, Windsor, and Wilmot

Conway Carroll County townships of Albany, Bartlett, Center Conway, Chatham, Conway, Eaton, Effingham, Freedom, Glen, Hale's Location, Hart's Location, Jackson, Madison, Melvin Village, North Conway, Ossipee, Tamworth, Tuftonboro, Wolfeboro, and Wolfeboro Falls MAINE PORTION: The towns of Brownfield, Denmark, Fryeburg, Lovell, and Stow

Hanover-Lebanon Grafton County towns of Canaan, Dorchester, Enfield, Grafton, Hanover, Lebanon, Lyme, Orange, Orford, Piermont, and West Lebanon; the Sullivan County towns of Cornish, Cornish Flat, Grantham, Plainfield, and Springfield VERMONT PORTION: The Orange County towns of Bradford, Corinth, East Thetford, Fairlee, Newbury, South Strafford, Strafford, Thetford, Topsham, Tunbridge, Vershire, Wells River, and West Fairlee; and the Windsor County towns of Barnard, Bethel, Bridgewater, Hartford, Hartland, Norwich, Pomfret, Quechee, Reading, Royalton, Sharon, South Royalton, Stockbridge, West Windsor, White River Junction, Windsor, and Woodstock

Haverhill NEW HAMPSHIRE PORTION: The Grafton County towns of Bath, Benton, Haverhill, and Woodsville VERMONT PORTION: The town of Ryegate

Keene The Cheshire County towns of Alstead, Chesterfield, Gilsum, Harrisville, Keene City, Marlborough, Marlow, Nelson, North Swanzey, Richmond, Roxbury, Stoddard, Sullivan, Surry, Swanzey, Troy, Walpole, West Chesterfield, Westmoreland, and Winchester; the Sullivan County towns of Acworth and Langdon

Laconia The Belknap County towns of Alton, Belmont, Center Harbor, Gilford, Laconia, Meredith, New Hampton; the Carroll County towns of Moultonborough and Sandwich

88

Littleton NEW HAMPSHIRE PORTION: The towns of Bethlehem, Easton, Franconia, Landaff, Lisbon, Littleton, Lyman, Monroe, and Sugar Hill in Grafton County, and the towns of Carroll, Dalton, Groveton, Jefferson, Lancaster, Northumberland, Stratford, and Whitefield in Coos County VERMONT PORTION: The Essex County towns of Brunswick, Granby, Guildhall, Lunenburg, and Maidstone

Manchester This definition is based on the Manchester RMA. Allenstown, Auburn, Bedford, Candia, Deerfield, Dunbarton, Goffstown, Hooksett, Londonderry, Manchester City, New Boston, and Weare

Plymouth The Grafton County towns of Ashland, Campton, Ellsworth, Groton, Holderness, Lincoln, North Woodstock, Plymouth, Rumney, Thornton, Warren, Waterville Valley, Wentworth, and Woodstock

Portsmouth This definition is based on the Portsmouth-Dover-Rochester RMA. NEW HAMPSHIRE PORTION: Barrington, Brentwood, Brookfield, Dover City, Durham, East Kingston, Epping, Exeter, Farmington, Greenland, Hampton, Hampton Falls, Kensington, Lee, Madbury, Middleton, Milton, New Castle, New Durham, Newington, Newmarket, Newfields, North Hampton, Northwood, Nottingham, Porstmouth City, Rochester City, Rollinsford, Rye, Sanbornville, Seabrook, Somersworth City, Strafford, Stratham, and Wakefield MAINE PORTION: Acton, Berwick, Eliot, Kennebunk. Kittery, Lebanon, North Berwick, Ogunquit, South Berwick, Wells, and York

89

RHODE ISLAND MARKET DEFINITIONS: Newport Newport RMA Providence Providence – Warwick RMA (composed of towns in Rhode Island and

Massachusetts

90

VERMONT MARKET DEFINITIONS: Barre-Montpelier The town of Groton in Caledonia County; the towns of Chelsea, Orange, and

Williamstown in Orange County; and the towns of Barre, Berlin, Cabot, Calais, East Montpelier, Marshfield, Middlesex, Montpelier, Northfield, Plainfield, Roxbury, South Barre, Washington, Woodbury, and Worcester in Washington County

Bennington The Bennington County towns of Bennington, Glastenbury, North Bennington, Pownal, Shaftsbury, and Woodford

Brattleboro VERMONT PORTION: The towns of Bellows Falls, Brattleboro, Brookline, Dummerston, Guilford, Halifax, Londonderry, Marlboro, Newfane, Putney, Rockingham, Townsend, Vernon and Wilmington in Windham County NEW HAMPSHIRE PORTION: The town of Hinsdale

Burlington This definition is based on the Burlington RMA. Franklin County and Addison, Alburg, Belvidere, Bolton, Bristol, Buel's Gore, Burlington City, Cambridge, Charlotte, Colchester, Duxbury, Essex, Essex Junction, Ferrisburg, Grand Isle, Hinesburg, Huntington, Isle La Motte, Jeffersonville, Jericho, Lincoln, Milton, Monkton, Moretown, North Hero, Panton, Richmond, St. George, Shelburne, South Burlington, South Hero, Starksboro, Underhill, Vergennes, Waltham, Waterbury, Waterville, Westford, Williston, and Winooski City

Manchester (VT) The Bennington County towns of Arlington, Bondville, Dorset, Manchester, Manchester Center, Peru, Rupert, Sandgate, Sunderland, and Winhall, plus the towns of Pawlet and West Pawlet of Rutland County

Middlebury The Addison County townships of Bridport, Cornwall, Granville, Hancock, Middlebury, New Haven, Orwell, Ripton, Salisbury, Shoreham, Weybridge, and Whiting; the Windsor County township of Rochester

Morristown The Caledonia County town of Hardwick; the Orleans County town of Craftsbury; and the Lamoille County towns of Eden, Elmore, Hyde Park, Johnson, Morristown, Morrisville, Stowe, and Wolcott

Newport The Orleans County towns of Albany, Barton, Brighton, Brownington, Charleston, Coventry, Derby, Derby Line, Glover, Holland, Irasburg, Island Pond, Jay, Lowell, Morgan, Newport, Troy, Westfield, and Westmore

Randolph The Orange County towns of Braintree, Brookfield, and Randolph

Rutland The towns of Goshen and Leicester in Addison County; the towns of Benson, Brandon, Castleton, Chittenden, Clarendon, Danby, Fairhaven, Hubbardton, Ira, Killington, Mendon, Middletown Springs, Mount Holly, Mount Tabor, Pittsfield, Pittsford, Poultney, Proctor, Rutland, Shrewsbury, Sudbury, Tinmouth, Wallingford, Wells, West Haven, and West Rutland in Rutland County; and the town of Plymouth in Windsor County

St. Johnsbury The Caledonia County towns of Barnet, Burke, Danville, Kirby, Lyndon, Lyndonville, Newark, Peacham, Sheffield, St. Johnsburry, Stannard, Sutton, Walden, Waterford, Wheelock, plus the Essex County towns of Concord, East Haven, Ferdinand, and Victory

91

Springfield (VT) The towns of Andover, Baltimore, Chester, Ludlow, Springfield, and Wethersfield in Windsor County

Waitsfield The towns of Fayston, Waitsfield, and Warren in Washington County

92

V. NEW ENGLAND BANKING MARKET TABLES

93

CONNECTICUT

94

MarketDepositsName City State Rank

MarketShare

Hartford, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare

100 % Thrift Weight 50 % Thrift Weight

BANK OF AMERICA CORPORATION CHARLOTTE NC $9,661.12 1 41.56$9,661.121 36.10

FLEET NATIONAL BANK PROVIDENCE RI $9,661.12

WEBSTER FINANCIAL CORPORATION WATERBURY CT $4,243.90 2 18.25$4,243.902 15.86

WEBSTER BANK, NATIONAL ASSOCIATION WATERBURY CT $4,243.90

NEWALLIANCE BANCSHARES, INC. NEW HAVEN CT $2,080.74 3 8.95$2,080.743 7.78

NEWALLIANCE BANK NEW HAVEN CT $2,080.74

BANKNORTH GROUP, INC. PORTLAND ME $1,784.06 4 7.67$1,784.064 6.67

BANKNORTH, NATIONAL ASSOCIATION PORTLAND ME $1,784.06

PEOPLE'S MUTUAL HOLDINGS BRIDGEPORT CT $1,697.23 5 3.65$848.625 6.34

PEOPLE'S BANK BRIDGEPORT CT $1,697.23

SOVEREIGN BANCORP, INC. WYOMISSING PA $1,311.60 7 2.82$655.806 4.90

SOVEREIGN BANK WYOMISSING PA $1,311.60

LIBERTY BANK MIDDLETOWN CT $1,216.94 8 2.62$608.477 4.55


EDINBURGH $768.30 6 3.30$768.308 2.87

CITIZENS BANK OF CONNECTICUT NEW LONDON CT $768.30

CHARTER OAK COMMUNITY BANK CORP. ROCKVILLE CT $631.93 9 1.36$315.979 2.36

ROCKVILLE BANK VERNON ROCKVILLE CT $631.93

FARMINGTON SAVINGS BANK FARMINGTON CT $626.45 10 1.35$313.2210 2.34

WACHOVIA CORPORATION CHARLOTTE NC $292.55 11 1.26$292.5511 1.09

WACHOVIA BANK, NATIONAL ASSOCIATION CHARLOTTE NC $292.55

SI BANCORP, INC. WILLIMANTIC CT $257.43 16 0.55$128.7212 0.96

SAVINGS INSTITUTE WILLIMANTIC CT $257.43

WINDSOR FEDERAL, MHC WINDSOR CT $193.08 18 0.42$96.5413 0.72

WINDSOR FEDERAL SAVINGS AND LOAN ASSOCIA WINDSOR CT $193.08

THE SIMSBURY BANK & TRUST COMPANY SIMSBURY CT $179.68 12 0.77$179.6814 0.67

CONNECTICUT MUTUAL HOLDING COMPANY

WINSTED CT $179.01 19 0.39$89.5115 0.67

NORTHWEST COMMUNITY BANK WINSTED CT $179.01

NEW ENGLAND BANCSHARES ENFIELD CT $172.24 20 0.37$86.1216 0.64

ENFIELD FEDERAL SAVINGS AND LOAN ASSOCIA ENFIELD CT $172.24

PRUDENTIAL FINANCIAL NEWARK NJ $172.08 21 0.37$86.0417 0.64

PRUDENTIAL BANK & TRUST, FSB HARTFORD CT $172.08

FIRST CITY BANK NEW BRITAIN CT $168.28 13 0.72$168.2818 0.63

THE FIRST NATIONAL BANK OF SUFFIELD SUFFIELD CT $150.51 14 0.65$150.5119 0.56

1 95


MarketShare

Hartford, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



CT $146.45 23 0.31$73.2220 0.55

HUDSON UNITED BANCORP MAHWAH NJ $138.84 15 0.60$138.8421 0.52

HUDSON UNITED BANK MAHWAH NJ $138.84

ESSEX SAVINGS BANK ESSEX CT $125.70 24 0.27$62.8522 0.47

THOMASTON SAVINGS BANK THOMASTON CT $101.25 25 0.22$50.6323 0.38

VALLEY BANK BRISTOL CT $97.59 17 0.42$97.5924 0.36

COLLINSVILLE SAVINGS SOCIETY CANTON CT $81.38 26 0.18$40.6925 0.30

CHARTER ONE FINANCIAL, INC. CLEVELAND OH $74.73 22 0.32$74.7326 0.28

CHARTER ONE BANK, NATIONAL ASSOCIAT CLEVELAND OH $74.73

THE TORRINGTON SAVINGS BANK TORRINGTON CT $54.70 28 0.12$27.3527 0.20

CONNECTICUT RIVER COMMUNITY BANK WETHERSFIELD CT $37.35 27 0.16$37.3528 0.14


FARMINGTON CT $35.38 31 0.08$17.6929 0.13

INSURBANC FARMINGTON CT $35.38

URBAN FINANCIAL GROUP, INC. BRIDGEPORT CT $25.29 29 0.11$25.2930 0.09

THE COMMUNITY'S BANK BRIDGEPORT CT $25.29

EASTERN FEDERAL BANK NORWICH CT $21.95 32 0.05$10.9831 0.08

IRON BANCSHARES, INC. SALISBURY CT $21.12 30 0.09$21.1232 0.08

THE NATIONAL IRON BANK SALISBURY CT $21.12

THE CONNECTICUT BANK AND TRUST COMP

HARTFORD CT $8.77 33 0.04$8.7733 0.03

CHARLES SCHWAB CORPORATION, THE SAN FRANCISCO CA $3.24 34 0.01$3.2434 0.01

U.S. TRUST COMPANY, NATIONAL ASSOCI GREENWICH CT $3.24

BANKERS' BANK, NORTHEAST GLASTONBURY CT $0.00 35 0.00$0.0035 0.00

100.00% 100.00%

2,247 HERFINDAHL-HIRSCHMAN INDEX:

$26,760.88 $23,248.48

Note: The table is based on 6/30/04 FDIC and OTS Summary of Deposits data (dollars in millions). It reflects all mergers and bank holding company acquisitions completed by 6/30/04. Holding companies with at least one commercial bank subsidiary are always considered commercial banking organizations, even in markets where only their thrift(s) operate.

1,770

2 96


MarketShare

New Haven, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


NEWALLIANCE BANCSHARES, INC. NEW HAVEN CT $1,925.42 1 20.33$1,925.421 18.64

NEWALLIANCE BANK NEW HAVEN CT $1,925.42

WACHOVIA CORPORATION CHARLOTTE NC $1,726.75 2 18.23$1,726.752 16.71

WACHOVIA BANK, NATIONAL ASSOCIATION CHARLOTTE NC $1,726.75





PEOPLE'S MUTUAL HOLDINGS BRIDGEPORT CT $1,022.48 7 5.40$511.245 9.90

PEOPLE'S BANK BRIDGEPORT CT $1,022.48


EDINBURGH $944.12 5 9.97$944.126 9.14

CITIZENS BANK OF CONNECTICUT NEW LONDON CT $944.12

HUDSON UNITED BANCORP MAHWAH NJ $719.81 6 7.60$719.817 6.97

HUDSON UNITED BANK MAHWAH NJ $719.81

NORTH FORK BANCORPORATION, INC. MELVILLE NY $368.05 8 3.89$368.058 3.56

SUPERIOR SAVINGS OF NEW ENGLAND, NA BRANFORD CT $368.05

THE GUILFORD SAVINGS BANK GUILFORD CT $327.70 9 1.73$163.859 3.17

LIBERTY BANK MIDDLETOWN CT $268.10 10 1.42$134.0510 2.59

J.P. MORGAN CHASE & CO. NEW YORK NY $104.73 11 1.11$104.7311 1.01

JPMORGAN CHASE BANK NEW YORK CITY NY $104.73

BANKNORTH GROUP, INC. PORTLAND ME $76.77 12 0.81$76.7712 0.74

BANKNORTH, NATIONAL ASSOCIATION PORTLAND ME $76.77

SOVEREIGN BANCORP, INC. WYOMISSING PA $67.25 16 0.36$33.6313 0.65

SOVEREIGN BANK WYOMISSING PA $67.25

SOUTHERN CONNECTICUT BANCORP, INC NEW HAVEN CT $52.95 13 0.56$52.9514 0.51

THE BANK OF SOUTHERN CONNECTICUT NEW HAVEN CT $52.95

CASTLE BANK & TRUST COMPANY MERIDEN CT $41.32 14 0.44$41.3215 0.40

THE APPLE VALLEY BANK & TRUST COMPA

CHESHIRE CT $36.76 15 0.39$36.7616 0.36

PRIME BANK ORANGE CT $33.58 17 0.35$33.5817 0.33

NAUGATUCK SAVINGS BANK NAUGATUCK CT $33.44 18 0.18$16.7218 0.32

100.00% 100.00%$10,331.80 $9,472.31

1 97


MarketShare

New Haven, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




1,213

2 98


MarketShare

New London, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



EDINBURGH $1,272.60 1 30.47$1,272.601 23.25

CITIZENS BANK OF CONNECTICUT NEW LONDON CT $1,156.11

CITIZENS BANK OF RHODE ISLAND PROVIDENCE RI $116.49

BANK OF AMERICA CORPORATION CHARLOTTE NC $651.37 2 15.60$651.372 11.90

FLEET NATIONAL BANK PROVIDENCE RI $651.37

WASHINGTON TRUST BANCORP, INC. WESTERLY RI $628.70 3 15.05$628.703 11.48

THE WASHINGTON TRUST COMPANY OF WES WESTERLY RI $628.70

PEOPLE'S MUTUAL HOLDINGS BRIDGEPORT CT $626.59 4 7.50$313.304 11.45

PEOPLE'S BANK BRIDGEPORT CT $626.59

THE CHELSEA GROTON SAVINGS BANK NORWICH CT $540.77 5 6.47$270.395 9.88

THE DIME SAVINGS BANK OF NORWICH NORWICH CT $330.33 6 3.95$165.166 6.03

LIBERTY BANK MIDDLETOWN CT $309.18 7 3.70$154.597 5.65

PUTNAM BANCORP MHC, INC. PUTNAM CT $204.30 10 2.45$102.158 3.73

PUTNAM SAVINGS BANK PUTNAM CT $204.30

SI BANCORP, INC. WILLIMANTIC CT $187.22 11 2.24$93.619 3.42

SAVINGS INSTITUTE WILLIMANTIC CT $187.22

JEWETT CITY SAVINGS BANK JEWETT CITY CT $180.31 12 2.16$90.1610 3.29


MA $144.20 8 3.45$144.2011 2.63

WESTBANK WEST SPRINGFIELD MA $144.20

CITIZENS NATIONAL BANCORP, INC. PUTNAM CT $131.47 9 3.15$131.4712 2.40

THE CITIZENS NATIONAL BANK PUTNAM CT $131.47

EASTERN FEDERAL BANK NORWICH CT $120.29 13 1.44$60.1513 2.20

WESTERLY SAVINGS BANK WESTERLY RI $52.54 15 0.63$26.2714 0.96

ESSEX SAVINGS BANK ESSEX CT $43.95 17 0.53$21.9715 0.80

WEBSTER FINANCIAL CORPORATION WATERBURY CT $28.26 14 0.68$28.2616 0.52

WEBSTER BANK, NATIONAL ASSOCIATION WATERBURY CT $28.26

NEWALLIANCE BANCSHARES, INC. NEW HAVEN CT $22.36 16 0.54$22.3617 0.41

NEWALLIANCE BANK NEW HAVEN CT $22.36

100.00% 100.00%


$5,474.44 $4,176.70

1,167

1 99


MarketShare

New London, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



2 100


MarketShare

Torrington, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


THE TORRINGTON SAVINGS BANK TORRINGTON CT $447.30 1 25.47$223.651 36.01


LITCHFIELD CT $220.73 2 25.14$220.732 17.77

THE FIRST NATIONAL BANK OF LITCHFIE LITCHFIELD CT $220.73






WINSTED CT $104.87 6 5.97$52.445 8.44

LITCHFIELD BANCORP LITCHFIELD CT $82.33

NORTHWEST COMMUNITY BANK WINSTED CT $22.54







NEWMIL BANCORP, INC. NEW MILFORD CT $13.85 9 0.79$6.929 1.11

NEWMIL BANK NEW MILFORD CT $13.85

100.00% 100.00%


$1,242.14 $878.03


2,017

1 101


MarketShare

Waterbury, CT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




WACHOVIA CORPORATION CHARLOTTE NC $539.51 2 13.25$539.512 11.42

WACHOVIA BANK, NATIONAL ASSOCIATION CHARLOTTE NC $539.51



NAUGATUCK SAVINGS BANK NAUGATUCK CT $367.35 5 4.51$183.684 7.78



THOMASTON SAVINGS BANK THOMASTON CT $251.64 6 3.09$125.826 5.33




NAUGATUCK CT $153.34 8 1.88$76.678 3.25



NEWTOWN SAVINGS BANK NEWTOWN CT $117.98 10 1.45$58.9910 2.50

NEWMIL BANCORP, INC. NEW MILFORD CT $32.44 12 0.40$16.2211 0.69

NEWMIL BANK NEW MILFORD CT $32.44




WINSTED CT $20.56 13 0.25$10.2813 0.44

LITCHFIELD BANCORP LITCHFIELD CT $20.56

100.00% 100.00%


$4,723.03 $4,070.89


2,316

1 102

MAINE

103


MarketShare

Augusta, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


GARDINER SAVINGS INSTITUTION, FSB GARDINER ME $300.51 1 22.72$150.251 30.46

KENNEBEC SAVINGS BANK AUGUSTA ME $286.97 2 21.70$143.492 29.09



KEYCORP CLEVELAND OH $102.93 4 15.57$102.934 10.43

KEYBANK NATIONAL ASSOCIATION CLEVELAND OH $102.93



NORTHEAST BANCORP AUBURN ME $34.63 7 2.62$17.326 3.51

NORTHEAST BANK, F.S.B. AUBURN ME $34.63

BORDER BANCSHARES, INC. SOUTH CHINA ME $31.52 6 4.77$31.527 3.20

BORDER TRUST COMPANY SOUTH CHINA ME $31.52

BANGOR SAVINGS BANK BANGOR ME $14.45 8 1.09$7.238 1.46

SKOWHEGAN SAVINGS BANK SKOWHEGAN ME $11.52 9 0.87$5.769 1.17

NORWAY BANCORP, MHC NORWAY ME $2.52 10 0.19$1.2610 0.25

NORWAY SAVINGS BANK NORWAY ME $2.52

100.00% 100.00%


$986.56 $661.26


2,124

1 104


MarketShare

Bangor, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



MERRILL MERCHANTS BANCSHARES, INC. BANGOR ME $263.06 2 23.68$263.062 18.65

MERRILL MERCHANTS BANK BANGOR ME $263.06







CAMDEN NATIONAL CORPORATION CAMDEN ME $119.46 6 10.75$119.466 8.47

UNITEDKINGFIELD BANK BANGOR ME $95.53

THE CAMDEN NATIONAL BANK CAMDEN ME $23.93


100.00% 100.00%


$1,410.87 $1,110.92


2,498

1 105


MarketShare

Bar Harbor, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


BAR HARBOR BANKSHARES BAR HARBOR ME $164.06 1 55.06$164.061 51.96

BAR HARBOR BANKING AND TRUST COMPAN BAR HARBOR ME $164.06

FNB BANKSHARES BAR HARBOR ME $97.47 2 32.71$97.472 30.87

THE FIRST NATIONAL BANK OF BAR HARB BAR HARBOR ME $97.47

UNION BANKSHARES COMPANY ELLSWORTH ME $18.72 3 6.28$18.723 5.93

UNION TRUST COMPANY ELLSWORTH ME $18.72


BAR HARBOR ME $18.29 4 3.07$9.154 5.79

MACHIAS BANCORP, MHC MACHIAS ME $17.17 5 2.88$8.595 5.44

MACHIAS SAVINGS BANK MACHIAS ME $17.17

100.00% 100.00%


$315.72 $297.99


3,752

1 106


MarketShare

Bath, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


BATH SAVINGS INSTITUTION BATH ME $146.88 2 14.98$73.441 20.21









BATH ME $52.74 10 5.38$26.376 7.26



ANDROSCOGGIN BANCORP, MHC LEWISTON ME $39.96 11 4.08$19.988 5.50

ANDROSCOGGIN SAVINGS BANK LEWISTON ME $39.96



CHITTENDEN CORPORATION BURLINGTON VT $32.62 7 6.65$32.6210 4.49

MAINE BANK & TRUST COMPANY PORTLAND ME $32.62

FIRST NATIONAL LINCOLN CORPORATION DAMARISCOTTA ME $28.08 9 5.73$28.0811 3.86

THE FIRST NATIONAL BANK OF DAMARISC DAMARISCOTTA ME $28.08



100.00% 100.00%


$726.92 $490.25


1,180

1 107


MarketShare

Belfast, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare









DAMARISCOTTA BANKSHARES, INC. DAMARISCOTTA ME $8.59 5 4.52$8.595 3.49

DAMARISCOTTA BANK & TRUST CO. DAMARISCOTTA ME $8.59



100.00% 100.00%


$246.35 $189.86


3,017

1 108


MarketShare

Blue Hill, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare









100.00% 100.00%


$167.24 $163.52


4,287

1 109


MarketShare

Boothbay Harbor, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare







BATH ME $24.08 3 10.34$12.043 17.34



100.00% 100.00%


$138.88 $116.48


2,721

1 110


MarketShare

Calais, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








CALAIS ME $30.84 4 14.22$15.424 18.19

100.00% 100.00%


$169.53 $108.40


2,624

1 111


MarketShare

Damariscotta, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare










BATH ME $22.38 5 3.09$11.195 5.75


100.00% 100.00%


$389.02 $361.90


4,116

1 112


MarketShare

Ellsworth, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare















100.00% 100.00%


$372.36 $315.59


1,725

1 113


MarketShare

Farmington, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


FSB BANCORP, MHC FARMINGTON ME $120.79 1 44.61$120.791 41.81

FRANKLIN SAVINGS BANK FARMINGTON ME $120.79










100.00% 100.00%


$288.93 $270.79


2,711

1 114


MarketShare

Fort Kent, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare






FIRST CITIZENS BANK PRESQUE ISLE ME $11.07 3 15.07$11.073 15.07

KATAHDIN BANKSHARES CORPORATION PATTEN ME $7.12 4 9.69$7.124 9.69

KATAHDIN TRUST COMPANY PATTEN ME $7.12

100.00% 100.00%


$73.41 $73.41


3,334

1 115


MarketShare

Guilford, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








100.00% 100.00%


$207.92 $146.15


2,971

1 116


MarketShare

Houlton, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare












100.00% 100.00%


$258.62 $227.02


2,173

1 117


MarketShare

Lewiston, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








MECHANICS' SAVINGS BANK AUBURN ME $155.74 5 9.44$77.874 13.61





AUBURN SAVINGS AND LOAN ASSOCIATION

AUBURN ME $39.40 8 2.39$19.707 3.44







100.00% 100.00%


$1,144.22 $825.00


1,685

1 118


MarketShare

Lincoln, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare










100.00% 100.00%


$101.79 $77.15


2,892

1 119


MarketShare

Machias, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare









100.00% 100.00%


$303.96 $202.07


4,320

1 120


MarketShare

Madawaska, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




100.00% 100.00%


$19.86 $19.86


10,000

1 121


MarketShare

Millinocket, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare





100.00% 100.00%


$46.26 $28.73


6,330

1 122


MarketShare

Paris-Norway, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare












100.00% 100.00%


$360.34 $233.43


2,572

1 123


MarketShare

Pittsfield, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








100.00% 100.00%


$76.51 $62.61


2,712

1 124


MarketShare

Portland, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








FLEET MAINE, NATIONAL ASSOCIATION SOUTH PORTLAND ME $1.05

SACO & BIDDEFORD SAVINGS INSTITUTION SACO ME $385.24 5 3.96$192.624 6.74

GORHAM SAVINGS BANK GORHAM ME $338.23 6 3.48$169.125 5.91



OCEAN NATIONAL BANK KENNEBUNK ME $93.35



KENNEBUNK SAVINGS BANK KENNEBUNK ME $209.55 8 2.16$104.778 3.66

SANFORD INSTITUTION FOR SAVINGS SANFORD ME $198.27 9 2.04$99.149 3.47

BIDDEFORD SAVINGS BANK BIDDEFORD ME $169.45 10 1.74$84.7210 2.96


PEPPERELL BANCSHARES FINANCIAL GROUP, INC.

BIDDEFORD ME $77.61 11 1.60$77.6112 1.36

PEPPERELL BANK & TRUST BIDDEFORD ME $77.61



RIVERGREEN BANK KENNEBUNK ME $34.57 14 0.71$34.5714 0.60


MECHANICS' SAVINGS BANK AUBURN ME $20.71 16 0.21$10.3516 0.36





100.00% 100.00%$5,719.91 $4,858.06

1 125


MarketShare

Portland, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




1,628

2 126


MarketShare

Presque-Isle-Caribou, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare










CARIBOU ME $59.40 5 6.76$29.705 12.66

100.00% 100.00%


$469.32 $439.62


2,156

1 127


MarketShare

Rangeley Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare






100.00% 100.00%


$36.78 $36.78


5,106

1 128


MarketShare

Rockland, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare











ROCKLAND ME $54.61 7 2.98$27.305 5.74










100.00% 100.00%


$950.70 $917.46


3,284

1 129


MarketShare

Rumford, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare







100.00% 100.00%


$112.31 $96.27


3,897

1 130


MarketShare

Waterville, ME Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








KENNEBEC SAVINGS BANK AUGUSTA ME $65.95 6 5.45$32.975 7.92





WATERVILLE ME $34.42 10 2.84$17.218 4.13









100.00% 100.00%


$832.58 $605.04


1,569

1 131

MASSACHUSETTS

132


MarketShare

Boston, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare





EDINBURGH $22,554.21 2 19.37$22,554.212 16.10

CITIZENS BANK OF MASSACHUSETTS BOSTON MA $20,608.42

CITIZENS BANK NEW HAMPSHIRE MANCHESTER NH $1,291.83

CAMBRIDGE TRUST COMPANY CAMBRIDGE MA $652.45

BOSTON TRUST & INVESTMENT MANAGEMEN BOSTON MA $1.50

STATE STREET CORPORATION BOSTON MA $14,881.96 3 12.78$14,881.963 10.62

STATE STREET BANK AND TRUST COMPANY BOSTON MA $14,881.96

SOVEREIGN BANCORP, INC. WYOMISSING PA $8,861.48 6 3.81$4,430.744 6.33


MELLON FINANCIAL CORPORATION PITTSBURGH PA $6,658.04 4 5.72$6,658.045 4.75

MELLON TRUST OF NEW ENGLAND, NATION BOSTON MA $6,658.04



EASTERN BANK CORPORATION BOSTON MA $3,781.07 7 1.62$1,890.537 2.70

EASTERN BANK BOSTON MA $3,781.07

MIDDLESEX SAVINGS BANK NATICK MA $2,732.52 10 1.17$1,366.268 1.95

CAMBRIDGE FINANCIAL GROUP, INC. CAMBRIDGE MA $1,644.55 12 0.71$822.289 1.17

CAMBRIDGE SAVINGS BANK CAMBRIDGE MA $1,644.55

INDEPENDENT BANK CORP. ROCKLAND MA $1,530.45 8 1.31$1,530.4510 1.09

ROCKLAND TRUST COMPANY ROCKLAND MA $1,530.45


BOSTON MA $1,371.20 9 1.18$1,371.2011 0.98

BOSTON PRIVATE BANK & TRUST COMPANY BOSTON MA $1,371.20


NEW BEDFORD MA $1,270.10 15 0.55$635.0512 0.91

COMPASS BANK FOR SAVINGS NEW BEDFORD MA $1,270.10

CENTURY BANCORP, INC. MEDFORD MA $1,268.16 11 1.09$1,268.1613 0.91

CENTURY BANK AND TRUST COMPANY SOMERVILLE MA $1,268.16

SALEM FIVE CENTS SAVINGS BANK SALEM MA $1,219.42 16 0.52$609.7114 0.87

BOSTONFED BANCORP, INC. BURLINGTON MA $1,212.77 17 0.52$606.3915 0.87

BOSTON FEDERAL SAVINGS BANK BURLINGTON MA $1,212.77

WATERTOWN SAVINGS BANK WATERTOWN MA $934.28 18 0.40$467.1416 0.67

MASSBANK CORP. READING MA $865.65 21 0.37$432.8317 0.62

MASSBANK READING MA $865.65

CAPITAL CROSSING BANK BOSTON MA $798.58 13 0.69$798.5818 0.57

1 133


MarketShare


MarketDepositsRank

MarketShare


DEDHAM INSTITUTION FOR SAVINGS DEDHAM MA $762.31 22 0.33$381.1519 0.54

DANVERS BANCORP, INC. DANVERS MA $755.71 23 0.32$377.8520 0.54

DANVERS SAVINGS BANK DANVERS MA $755.71

ENTERPRISE BANCORP, INC. LOWELL MA $736.01 14 0.63$736.0121 0.53

ENTERPRISE BANK AND TRUST COMPANY LOWELL MA $736.01

BROOKLINE BANCORP, MHC BROOKLINE MA $732.88 24 0.31$366.4422 0.52

BROOKLINE BANK BROOKLINE MA $732.88

MERIDIAN FINANCIAL SERVICES, INC EAST BOSTON MA $649.31 25 0.28$324.6623 0.46

EAST BOSTON SAVINGS BANK BOSTON MA $649.31

HYDE PARK SAVINGS BANK BOSTON MA $647.96 27 0.28$323.9824 0.46

SOUTH SHORE BANCORP MHC SOUTH WEYMOUTH

MA $629.11 28 0.27$314.5525 0.45

SOUTH SHORE SAVINGS BANK WEYMOUTH MA $629.11

THE LOWELL FIVE CENT SAVINGS BANK LOWELL MA $583.52 30 0.25$291.7626 0.42

PLYMOUTH BANCORP, INC. WAREHAM MA $583.47 31 0.25$291.7427 0.42

PLYMOUTH SAVINGS BANK WAREHAM MA $583.47

EAST CAMBRIDGE SAVINGS BANK CAMBRIDGE MA $543.16 32 0.23$271.5828 0.39

WAINWRIGHT BANK & TRUST COMPANY BOSTON MA $464.97 19 0.40$464.9729 0.33

PONKAPOAG BANCORP, MHC CANTON MA $453.48 37 0.19$226.7430 0.32

THE BANK OF CANTON CANTON MA $453.48



FLAGSHIP BANK AND TRUST COMPANY WORCESTER MA $19.24

THE VILLAGE BANK AUBURNDALE MA $430.83 38 0.19$215.4132 0.31

BENJAMIN FRANKLIN BANCORP, MHC FRANKLIN MA $412.72 40 0.18$206.3633 0.29

BENJAMIN FRANKLIN SAVINGS BANK FRANKLIN MA $412.72

BEACON BANCORP TAUNTON MA $398.25 41 0.17$199.1234 0.28

BRISTOL COUNTY SAVINGS BANK TAUNTON MA $398.25

EAGLE BANK EVERETT MA $378.99 42 0.16$189.5035 0.27

WINCHESTER SAVINGS BANK WINCHESTER MA $370.79 44 0.16$185.4036 0.26

ASSABET VALLEY BANCORP HUDSON MA $367.99 45 0.16$184.0037 0.26

HUDSON SAVINGS BANK HUDSON MA $367.99

2 134


MarketShare


MarketDepositsRank

MarketShare


NORTH EASTON SAVINGS BANK NORTH EASTON MA $360.88 46 0.15$180.4438 0.26

MYSTIC FINANCIAL, INC. MEDFORD MA $352.56 47 0.15$176.2839 0.25

MEDFORD CO-OPERATIVE BANK MEDFORD MA $352.56


NEWBURYPORT MA $342.19 48 0.15$171.0940 0.24

THE SAVINGS BANK WAKEFIELD MA $340.56 49 0.15$170.2841 0.24

PENTUCKET BANK HAVERHILL MA $336.64 50 0.14$168.3242 0.24

HINGHAM INSTITUTION FOR SAVINGS HINGHAM MA $332.44 51 0.14$166.2243 0.24

NEWBURYPORT FIVE CENTS SAVINGS BANK

NEWBURYPORT MA $330.33 52 0.14$165.1644 0.24



CENTRAL BANCORP, INC. SOMERVILLE MA $315.66 53 0.14$157.8346 0.23

CENTRAL CO-OPERATIVE BANK SOMERVILLE MA $315.66

BEVERLY NATIONAL CORPORATION BEVERLY MA $312.94 29 0.27$312.9447 0.22

THE BEVERLY NATIONAL BANK BEVERLY MA $312.94

WINCHESTER CO-OPERATIVE BANK WINCHESTER MA $308.61 54 0.13$154.3048 0.22

NORTH SHORE BANCORP PEABODY MA $302.73 55 0.13$151.3749 0.22

NORTH SHORE BANK, A CO-OPERATIVE BANK PEABODY MA $302.73

RANDOLPH BANCORP STOUGHTON MA $300.47 56 0.13$150.2350 0.21

RANDOLPH SAVINGS BANK RANDOLPH MA $300.47

BELMONT SAVINGS BANK BELMONT MA $297.54 57 0.13$148.7751 0.21

LSB CORPORATION NORTH ANDOVER MA $291.24 58 0.13$145.6252 0.21

LAWRENCE SAVINGS BANK NORTH ANDOVER MA $291.24

NORWOOD CO-OPERATIVE BANK NORWOOD MA $284.24 59 0.12$142.1253 0.20


SOMERVILLE MA $279.64 60 0.12$139.8254 0.20

MASSACHUSETTS STATE CARPENTERS BOSTON MA $277.09 61 0.12$138.5455 0.20

FIRST TRADE UNION BANK BOSTON MA $277.09

THE NEEDHAM CO-OPERATIVE BANK NEEDHAM MA $274.48 62 0.12$137.2456 0.20

NORTHERN BANCORP, INC. WOBURN MA $267.19 33 0.23$267.1957 0.19

3 135


MarketShare


MarketDepositsRank

MarketShare


NORTHERN BANK & TRUST COMPANY WOBURN MA $267.19

CAPE ANN SAVINGS BANK GLOUCESTER MA $262.68 63 0.11$131.3458 0.19

MT. WASHINGTON CO-OPERATIVE BANK SOUTH BOSTON MA $261.99 64 0.11$131.0059 0.19

STONEHAMBANK, A CO-OPERATIVE BANK STONEHAM MA $251.60 65 0.11$125.8060 0.18

MNB BANCORP MILFORD MA $245.73 34 0.21$245.7361 0.18

THE MILFORD NATIONAL BANK AND TRUST MILFORD MA $245.73

STONEHAM SAVINGS BANK STONEHAM MA $244.20 66 0.10$122.1062 0.17

SERVICE BANCORP, MHC MEDWAY MA $243.04 67 0.10$121.5263 0.17

STRATA BANK MEDWAY MA $243.04


MILFORD MA $241.64 68 0.10$120.8264 0.17

FITCHBURG SAVINGS BANK, FSB FITCHBURG MA $237.38 69 0.10$118.6965 0.17

SOUTHERN NEW HAMPSHIRE BANK AND TRU

SALEM NH $235.44 35 0.20$235.4466 0.17

NORTH MIDDLESEX SAVINGS BANK AYER MA $234.22 70 0.10$117.1167 0.17

FRAMINGHAM CO-OPERATIVE BANK FRAMINGHAM MA $232.13 71 0.10$116.0668 0.17

WALPOLE CO-OPERATIVE BANK WALPOLE MA $231.64 72 0.10$115.8269 0.17

FIRST IPSWICH BANCORP IPSWICH MA $229.22 36 0.20$229.2270 0.16

THE FIRST NATIONAL BANK OF IPSWICH IPSWICH MA $229.22

PEOPLES FEDERAL SAVINGS BANK BOSTON MA $226.78 74 0.10$113.3971 0.16

HERITAGE CO-OPERATIVE BANK SALEM MA $221.03 75 0.09$110.5172 0.16

ATHOL SAVINGS BANK ATHOL MA $217.63 76 0.09$108.8173 0.16

NORTHMARK BANK NORTH ANDOVER MA $214.72 39 0.18$214.7274 0.15

BRIDGEWATER FINANCIAL, MHC RAYNHAM MA $213.37 77 0.09$106.6975 0.15

BRIDGEWATER SAVINGS BANK RAYNHAM MA $213.37

THE COOPERATIVE BANK BOSTON MA $209.35 79 0.09$104.6876 0.15

PROVIDENT BANCORP AMESBURY MA $205.55 80 0.09$102.7877 0.15

4 136


MarketShare


MarketDepositsRank

MarketShare


THE PROVIDENT BANK AMESBURY MA $205.55

CAMPELLO BANCORP BROCKTON MA $203.71 81 0.09$101.8578 0.15

THE COMMUNITY BANK, A MASSACHUSETTS COOP BROCKTON MA $203.71

MARLBOROUGH SAVINGS BANK MARLBOROUGH MA $203.10 82 0.09$101.5579 0.14

FIDELITY CO-OPERATIVE BANK FITCHBURG MA $200.40 83 0.09$100.2080 0.14

CHART BANK, A COOPERATIVE BANK WALTHAM MA $200.36 84 0.09$100.1881 0.14

MANSFIELD CO-OPERATIVE BANK MANSFIELD MA $199.94 85 0.09$99.9782 0.14

COLONIAL FEDERAL SAVINGS BANK QUINCY MA $192.80 86 0.08$96.4083 0.14

WINTER HILL FEDERAL SAVINGS BANK SOMERVILLE MA $189.02 87 0.08$94.5184 0.13

GRAND BANK CORPORATION MARBLEHEAD MA $185.86 43 0.16$185.8685 0.13

THE NATIONAL GRAND BANK OF MARBLEHE MARBLEHEAD MA $185.86

READING CO-OPERATIVE BANK READING MA $183.75 90 0.08$91.8786 0.13

EVERETT CO-OPERATIVE BANK EVERETT MA $183.19 91 0.08$91.6087 0.13

SOUTH COASTAL HOLDINGS MHC, INC ROCKLAND MA $174.85 94 0.08$87.4288 0.12

SOUTH COASTAL BANK ROCKLAND MA $174.85

SCITUATE FEDERAL SAVINGS BANK SCITUATE MA $171.58 95 0.07$85.7989 0.12

THE BRAINTREE CO-OPERATIVE BANK BRAINTREE MA $168.63 96 0.07$84.3290 0.12

NATICK FEDERAL SAVINGS BANK NATICK MA $157.36 97 0.07$78.6891 0.11

MAYFLOWER CO-OPERATIVE BANK MIDDLEBORO MA $154.78 98 0.07$77.3992 0.11

DEAN CO-OPERATIVE BANK FRANKLIN MA $142.22 100 0.06$71.1193 0.10

SALEM CO-OPERATIVE BANK SALEM NH $141.16 101 0.06$70.5894 0.10

HAVERHILL CO-OPERATIVE BANK HAVERHILL MA $137.24 102 0.06$68.6295 0.10

WEYMOUTH BANK EAST WEYMOUTH MA $133.60 103 0.06$66.8096 0.10

SAUGUSBANK, A CO-OPERATIVE BANK SAUGUS MA $131.53 104 0.06$65.7797 0.09

5 137


MarketShare


MarketDepositsRank

MarketShare


IPSWICH CO-OPERATIVE BANK IPSWICH MA $128.84 105 0.06$64.4298 0.09

BEVERLY FINANCIAL, MHC BEVERLY MA $122.46 106 0.05$61.2399 0.09

BEVERLY CO-OPERATIVE BANK BEVERLY MA $122.46

WELLESLEY CO-OPERATIVE BANK WELLESLEY MA $121.15 107 0.05$60.57100 0.09

WASHINGTON SAVINGS BANK LOWELL MA $120.90 108 0.05$60.45101 0.09

CHARLES SCHWAB CORPORATION, THE SAN FRANCISCO CA $114.40 73 0.10$114.40102 0.08

U.S. TRUST COMPANY, NATIONAL ASSOCI GREENWICH CT $114.40

PILGRIM CO-OPERATIVE BANK COHASSET MA $109.48 109 0.05$54.74103 0.08

MARBLEHEAD SAVINGS BANK MARBLEHEAD MA $108.97 110 0.05$54.49104 0.08

MECHANICS' CO-OPERATIVE BANK TAUNTON MA $106.44 111 0.05$53.22105 0.08

ASIAN AMERICAN BANK AND TRUST COMPA

BOSTON MA $105.23 78 0.09$105.23106 0.08

MELROSE CO-OPERATIVE BANK MELROSE MA $103.98 112 0.04$51.99107 0.07

BUTLER BANK--A CO-OPERATIVE BANK LOWELL MA $99.34 113 0.04$49.67108 0.07

MEDWAY CO-OPERATIVE BANK MEDWAY MA $99.13 114 0.04$49.56109 0.07

FOXBORO FEDERAL SAVINGS FOXBORO MA $98.23 115 0.04$49.12110 0.07

LOWELL CO-OPERATIVE BANK LOWELL MA $97.15 116 0.04$48.57111 0.07

WAKEFIELD CO-OPERATIVE BANK WAKEFIELD MA $97.14 117 0.04$48.57112 0.07

GLOUCESTER CO-OPERATIVE BANK GLOUCESTER MA $95.13 118 0.04$47.56113 0.07


WHITMAN MA $92.74 119 0.04$46.37114 0.07

MERCANTILE CAPITAL CORP BOSTON MA $92.73 88 0.08$92.73115 0.07

MERCANTILE BANK AND TRUST COMPANY BOSTON MA $92.73

ROCKPORT NATIONAL BANCORP, INC. ROCKPORT MA $92.52 89 0.08$92.52116 0.07

THE ROCKPORT NATIONAL BANK ROCKPORT MA $92.52


MA $92.23 120 0.04$46.12117 0.07

6 138


MarketShare


MarketDepositsRank

MarketShare


HYDE PARK CO-OPERATIVE BANK HYDE PARK MA $90.47 121 0.04$45.23118 0.06

LEADER BANK, NATIONAL ASSOCIATION ARLINGTON MA $89.83 92 0.08$89.83119 0.06

GEORGETOWN SAVINGS BANK GEORGETOWN MA $88.20 122 0.04$44.10120 0.06

COMMUNITY BANK AND TRUST COMPANY WOLFEBORO NH $87.86 93 0.08$87.86121 0.06

SOUTH SHORE MUTUAL HOLDING COMPANY

WEYMOUTH MA $86.36 123 0.04$43.18122 0.06

SOUTH SHORE CO-OPERATIVE BANK WEYMOUTH MA $86.36

WRENTHAM CO-OPERATIVE BANK WRENTHAM MA $81.56 124 0.04$40.78123 0.06

UFS BANCORP WHITINSVILLE MA $78.44 125 0.03$39.22124 0.06

UNIBANK FOR SAVINGS WHITINSVILLE MA $78.44

ONEUNITED BANK BOSTON MA $74.26 99 0.06$74.26125 0.05

NORTH CAMBRIDGE CO-OPERATIVE BANK CAMBRIDGE MA $72.96 126 0.03$36.48126 0.05


NORTH EASTON MA $70.84 127 0.03$35.42127 0.05

STOUGHTON CO-OPERATIVE BANK STOUGHTON MA $69.02 128 0.03$34.51128 0.05

HOLBROOK CO-OPERATIVE BANK HOLBROOK MA $68.83 129 0.03$34.41129 0.05

MARLBOROUGH BANCORP MARLBOROUGH MA $68.14 130 0.03$34.07130 0.05

MARLBOROUGH CO-OPERATIVE BANK MARLBOROUGH MA $68.14

METHUEN CO-OPERATIVE BANK METHUEN MA $67.44 131 0.03$33.72131 0.05

SECURITY FEDERAL SAVINGS BANK BROCKTON MA $65.66 132 0.03$32.83132 0.05

NORTH ABINGTON CO-OPERATIVE BANK ABINGTON MA $65.65 133 0.03$32.83133 0.05

CANTON CO-OPERATIVE BANK CANTON MA $65.15 134 0.03$32.57134 0.05


FITCHBURG MA $64.61 135 0.03$32.31135 0.05

COLONIAL CO-OPERATIVE BANK GARDNER MA $64.43 136 0.03$32.21136 0.05

7 139


MarketShare


MarketDepositsRank

MarketShare


ATHOL-CLINTON CO-OPERATIVE BANK ATHOL MA $62.45 137 0.03$31.22137 0.04

EQUITABLE CO-OPERATIVE BANK LYNN MA $62.23 138 0.03$31.12138 0.04

SHARON CO-OPERATIVE BANK SHARON MA $59.99 139 0.03$29.99139 0.04

CLINTON FINANCIAL SERVICES, MHC CLINTON MA $58.96 140 0.03$29.48140 0.04

CLINTON SAVINGS BANK CLINTON MA $58.96

FIRST EASTERN BANKSHARES ANDOVER MA $55.61 141 0.02$27.80141 0.04

FIRST FEDERAL SAVINGS BANK OF BOSTON BOSTON MA $55.61

BROOKLINE CO-OPERATIVE BANK BROOKLINE MA $54.20 142 0.02$27.10142 0.04

DEDHAM CO-OPERATIVE BANK DEDHAM MA $54.17 143 0.02$27.09143 0.04

AVON CO-OPERATIVE BANK AVON MA $51.48 144 0.02$25.74144 0.04

GRANITE SAVINGS BANK ROCKPORT MA $44.08 146 0.02$22.04145 0.03

COMMONWEALTH CO-OPERATIVE BANK BOSTON MA $43.15 147 0.02$21.58146 0.03


FALL RIVER MA $38.21 149 0.02$19.10147 0.03

CHELSEA-PROVIDENT CO-OPERATIVE BANK

CHELSEA MA $36.81 150 0.02$18.40148 0.03

MEETINGHOUSE CO-OPERATIVE BANK BOSTON MA $35.96 151 0.02$17.98149 0.03

MONADNOCK COMMUNITY BANK PETERBOROUGH NH $34.32 153 0.01$17.16150 0.02

MERRIMAC SAVINGS BANK MERRIMAC MA $34.14 154 0.01$17.07151 0.02

BANKMALDEN, A CO-OPERATIVE BANK MALDEN MA $33.02 155 0.01$16.51152 0.02

NATIONAL BANK OF GREECE S.A. ATHENS $25.29 145 0.02$25.29153 0.02

ATLANTIC BANK OF NEW YORK NEW YORK NY $25.29

ROXBURY-HIGHLAND CO-OPERATIVE BANK

BOSTON MA $23.89 157 0.01$11.94154 0.02

ECONOMY CO-OPERATIVE BANK MERRIMAC MA $23.69 158 0.01$11.84155 0.02

COMMERCE BANCSHARES CORP. WORCESTER MA $20.62 148 0.02$20.62156 0.01

8 140


MarketShare


MarketDepositsRank

MarketShare


COMMERCE BANK & TRUST COMPANY WORCESTER MA $20.62

BEACON FEDERAL EAST SYRACUSE NY $18.54 159 0.01$9.27157 0.01

CATHAY GENERAL BANCORP LOS ANGELES CA $17.86 152 0.02$17.86158 0.01

CATHAY BANK LOS ANGELES CA $17.86

MERRIMACK COUNTY SAVINGS BANK CONCORD NH $17.75 160 0.01$8.88159 0.01

BRIDGEWATER CO-OPERATIVE BANK BRIDGEWATER MA $16.51 161 0.01$8.25160 0.01



SARGENT INVESTORS INC. CRANSTON RI $1.55 162 0.00$0.77162 0.00

DOMESTIC BANK CRANSTON RI $1.55

FMR CORP. BOSTON MA $0.52 163 0.00$0.52163 0.00

FIDELITY MANAGEMENT TRUST COMPANY BOSTON MA $0.52

BANK OF MONTREAL MONTREAL $0.50 164 0.00$0.50164 0.00

HARRIS BANK (NH), NATIONAL ASSOCIAT NASHUA NH $0.50

MARSH MCLENNAN INC. NEW YORK NY $1.00 165 0.00$0.50165 0.00

PUTNAM FIDUCIARY TRUST COMPANY BOSTON MA $0.50


J. P. MORGAN TRUST COMPANY, NATIONA LOS ANGELES CA $0.00

INVESTORS FINANCIAL SERVICES CORP. BOSTON MA $0.00 167 0.00$0.00167 0.00

INVESTORS BANK & TRUST COMPANY BOSTON MA $0.00

100.00% 100.00%


$140,071.01 $116,433.60


1,066

9 141


MarketShare

Cape Cod, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


THE CAPE COD FIVE CENTS SAVINGS BANK HARWICH PORT MA $1,150.95 4 13.60$575.481 20.38




EDINBURGH $769.54 2 18.19$769.543 13.63

CITIZENS BANK OF MASSACHUSETTS BOSTON MA $769.54




NEW BEDFORD MA $636.56 6 7.52$318.285 11.27

COMPASS BANK FOR SAVINGS NEW BEDFORD MA $636.56

INDEPENDENT BANK CORP. ROCKLAND MA $414.19 5 9.79$414.196 7.34

ROCKLAND TRUST COMPANY ROCKLAND MA $414.19



CAPE COD CO-OPERATIVE BANK YARMOUTH PORT MA $314.22 8 3.71$157.118 5.57

SEAMEN'S BANK PROVINCETOWN MA $201.04 9 2.38$100.529 3.56

FALMOUTH BANCORP, INC. FALMOUTH MA $135.74 10 1.60$67.8710 2.40

FALMOUTH CO-OPERATIVE BANK FALMOUTH MA $135.74

SECURITY FEDERAL SAVINGS BANK BROCKTON MA $20.50 11 0.24$10.2511 0.36

CAMPELLO BANCORP BROCKTON MA $20.45 12 0.24$10.2212 0.36

THE COMMUNITY BANK, A MASSACHUSETTS COOP BROCKTON MA $20.45

100.00% 100.00%


$5,646.41 $4,229.92


1,300

1 142


MarketShare

Fall River, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




NARRAGANSETT FINANCIAL CORP FALL RIVER MA $390.09 4 10.78$195.052 15.84

CITIZENS-UNION SAVINGS BANK FALL RIVER MA $390.09

FALL RIVER FIVE CENTS SAVINGS BANK FALL RIVER MA $341.74 5 9.44$170.873 13.88

SLADE'S FERRY BANCORP SOMERSET MA $269.92 2 14.91$269.924 10.96

SLADE'S FERRY TRUST COMPANY SOMERSET MA $269.92




NEW BEDFORD MA $256.32 6 7.08$128.166 10.41


BANK OF NEWPORT NEWPORT RI $102.90 7 2.84$51.457 4.18

LAFAYETTE FEDERAL SAVINGS BANK FALL RIVER MA $91.97 8 2.54$45.988 3.73


FALL RIVER MA $64.75 10 1.79$32.379 2.63




EDINBURGH $42.23 9 2.33$42.2311 1.71


BANCO COMERCIAL PORTUGUES, S.A. OPORTO $9.10 12 0.50$9.1012 0.37

BCPBANK, NATIONAL ASSOCIATION NEWARK NJ $9.10

100.00% 100.00%


$2,462.52 $1,809.96


1,369

1 143


MarketShare

Martha's Vineyard, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


DUKES COUNTY SAVINGS BANK EDGARTOWN MA $221.28 1 32.77$110.641 38.14


NEW BEDFORD MA $164.35 3 24.34$82.172 28.33



VINEYARD HAVEN MA $99.52 4 14.74$49.763 17.15

ISLAND BANCORP, INC. EDGARTOWN MA $95.05 2 28.15$95.054 16.38

THE EDGARTOWN NATIONAL BANK EDGARTOWN MA $95.05

100.00% 100.00%


$580.19 $337.62


2,820

1 144


MarketShare

Nantucket, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



NEW BEDFORD MA $347.18 1 63.06$173.591 77.35

NANTUCKET BANK NANTUCKET MA $347.18



100.00% 100.00%


$448.88 $275.29


6,496

1 145


MarketShare

New Bedford, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



NEW BEDFORD MA $982.69 1 26.98$491.351 39.82





EDINBURGH $364.72 3 20.03$364.723 14.78










NEW BEDFORD COMMUNITY BANCORP NEW BEDFORD MA $66.93 6 3.68$66.938 2.71

LUZO COMMUNITY BANK NEW BEDFORD MA $66.93

FALL RIVER FIVE CENTS SAVINGS BANK FALL RIVER MA $52.24 9 1.43$26.129 2.12

MAYFLOWER CO-OPERATIVE BANK MIDDLEBORO MA $21.12 10 0.58$10.5610 0.86


FALL RIVER MA $16.29 12 0.45$8.1411 0.66





100.00% 100.00%


$2,467.99 $1,820.90


2,235

1 146


MarketShare

Pittsfield, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


BERKSHIRE HILLS BANCORP PITTSFIELD MA $854.90 1 28.46$427.451 32.77

BERKSHIRE BANK PITTSFIELD MA $854.90


PITTSFIELD MA $439.48 3 14.63$219.742 16.84

LEGACY BANKS PITTSFIELD MA $439.48

MOUNTAINONE FINANCIAL PARTNERS, MHC

NORTH ADAMS MA $312.52 4 10.40$156.263 11.98

HOOSAC BANK NORTH ADAMS MA $191.23

WILLIAMSTOWN SAVINGS BANK WILLIAMSTOWN MA $121.28



THE PITTSFIELD CO-OPERATIVE BANK PITTSFIELD MA $171.51 5 5.71$85.765 6.57

BERKSHIRE FINANCIAL SERVICES, INC. LEE MA $159.02 6 5.29$79.516 6.10

LEE BANK LEE MA $159.02

SOUTH ADAMS SAVINGS BANK ADAMS MA $155.96 7 5.19$77.987 5.98

ADAMS CO-OPERATIVE BANK ADAMS MA $120.91 8 4.03$60.458 4.63

THE LENOX NATIONAL BANK LENOX MA $41.48 9 2.76$41.489 1.59


EDINBURGH $34.50 10 2.30$34.5010 1.32


CANAAN NATIONAL BANCORP, INC. CANAAN CT $19.48 11 1.30$19.4811 0.75

THE CANAAN NATIONAL BANK CANAAN CT $19.48



100.00% 100.00%


$2,608.99 $1,501.84


1,770

1 147


MarketShare

Springfield, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare






WESTFIELD MUTUAL HOLDING COMPANY WESTFIELD MA $620.97 6 4.39$310.483 6.31

WESTFIELD BANK WESTFIELD MA $620.97


MA $604.12 7 4.27$302.064 6.14

FLORENCE SAVINGS BANK FLORENCE MA $594.37 8 4.20$297.185 6.04

PEOPLESBANCORP, MHC HOLYOKE MA $584.50 9 4.13$292.256 5.94

PEOPLESBANK HOLYOKE MA $584.50

COUNTRY BANK FOR SAVINGS WARE MA $548.14 10 3.88$274.077 5.57


THE BANK OF WESTERN MASSACHUSETTS SPRINGFIELD MA $496.30

EASTHAMPTON SAVINGS BANK EASTHAMPTON MA $490.27 11 3.47$245.149 4.98

WORONOCO BANCORP, INC. WESTFIELD MA $456.09 12 3.23$228.0510 4.63

WORONOCO SAVINGS BANK WESTFIELD MA $456.09


MA $425.05 4 6.01$425.0511 4.32




GREENFIELD SAVINGS BANK GREENFIELD MA $377.91 13 2.67$188.9613 3.84

HAMPDEN BANCORP, MHC SPRINGFIELD MA $317.34 14 2.24$158.6714 3.22

HAMPDEN BANK SPRINGFIELD MA $317.34

CHICOPEE SAVINGS BANK CHICOPEE MA $284.91 16 2.02$142.4615 2.89

GREENFIELD CO-OPERATIVE BANK GREENFIELD MA $178.10 17 1.26$89.0516 1.81




EDINBURGH $155.14 15 2.19$155.1418 1.58


MONSON SAVINGS BANK MONSON MA $135.30 19 0.96$67.6519 1.37

1 148


MarketShare

Springfield, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


THE NORTHAMPTON CO-OPERATIVE BANK NORTHAMPTON MA $122.29 20 0.87$61.1520 1.24

WARE CO-OPERATIVE BANK WARE MA $49.77 21 0.35$24.8921 0.51


MA $10.55 23 0.07$5.2722 0.11



SOUTHBRIDGE SAVINGS BANK SOUTHBRIDGE MA $7.77 24 0.05$3.8824 0.08

100.00% 100.00%


$9,844.88 $7,068.74


746

2 149


MarketShare

Worcester, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








COMMERCE BANCSHARES CORP. WORCESTER MA $558.15 3 10.29$558.154 7.54

COMMERCE BANK & TRUST COMPANY WORCESTER MA $558.15

UFS BANCORP WHITINSVILLE MA $503.93 6 4.65$251.965 6.81

UNIBANK FOR SAVINGS WHITINSVILLE MA $503.93


FLAGSHIP BANK AND TRUST COMPANY WORCESTER MA $427.41

WEBSTER FIVE CENTS SAVINGS BANK WEBSTER MA $320.27 7 2.95$160.147 4.33

SOUTHBRIDGE SAVINGS BANK SOUTHBRIDGE MA $261.25 10 2.41$130.628 3.53

SAVERS CO-OPERATIVE BANK SOUTHBRIDGE MA $236.69 11 2.18$118.359 3.20

SPENCER SAVINGS BANK SPENCER MA $217.59 12 2.01$108.7910 2.94

CLINTON FINANCIAL SERVICES, MHC CLINTON MA $215.28 13 1.98$107.6411 2.91

CLINTON SAVINGS BANK CLINTON MA $215.28

WESTBOROUGH BANCORP, M.H.C. WESTBOROUGH MA $215.02 14 1.98$107.5112 2.91

WESTBOROUGH SAVINGS BANK WESTBOROUGH MA $215.02

BAY STATE SAVINGS BANK WORCESTER MA $214.78 15 1.98$107.3913 2.90


EDINBURGH $143.20 8 2.64$143.2014 1.93


COMMONWEALTH NATIONAL BANK WORCESTER MA $140.24 9 2.59$140.2415 1.89

MILLBURY SAVINGS BANK MILLBURY MA $130.84 16 1.21$65.4216 1.77


MA $127.59 17 1.18$63.7917 1.72

COUNTRY BANK FOR SAVINGS WARE MA $125.83 18 1.16$62.9118 1.70

HOMETOWN BANK, A COOPERATIVE BANK WEBSTER MA $115.57 19 1.07$57.7819 1.56

BARRE SAVINGS BANK BARRE MA $106.47 21 0.98$53.2320 1.44

1 150


MarketShare

Worcester, MA Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


MILLBURY NATIONAL BANK MILLBURY MA $57.32 20 1.06$57.3221 0.77

ASSABET VALLEY BANCORP HUDSON MA $34.08 23 0.31$17.0422 0.46

HUDSON SAVINGS BANK HUDSON MA $34.08

MARLBOROUGH SAVINGS BANK MARLBOROUGH MA $30.36 25 0.28$15.1823 0.41

FIDELITY CO-OPERATIVE BANK FITCHBURG MA $26.02 26 0.24$13.0124 0.35

CITIZENS NATIONAL BANCORP, INC. PUTNAM CT $21.98 22 0.41$21.9825 0.30

THE CITIZENS NATIONAL BANK PUTNAM CT $21.98


MILFORD MA $19.86 27 0.18$9.9326 0.27


MA $15.29 24 0.28$15.2927 0.21




ATHOL SAVINGS BANK ATHOL MA $6.74 29 0.06$3.3729 0.09

100.00% 100.00%


$7,400.96 $5,424.22


885

2 151

NEW HAMPSHIRE

152


MarketShare

Berlin, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


NORTHWAY FINANCIAL, INC. BERLIN NH $146.11 1 72.90$146.111 69.61

THE BERLIN CITY BANK BERLIN NH $146.11


EDINBURGH $44.82 2 22.36$44.822 21.35

CITIZENS BANK NEW HAMPSHIRE MANCHESTER NH $44.82

LSB FINANCIAL LACONIA NH $18.97 3 4.73$9.483 9.04

LACONIA SAVINGS BANK LACONIA NH $18.97

100.00% 100.00%


$209.90 $200.41


5,383

1 153


MarketShare

Claremont, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


CLAREMONT SAVINGS BANK CLAREMONT NH $230.77 1 32.36$115.391 38.41

NEW HAMPSHIRE THRIFT BANCSHARES NEWPORT NH $154.72 2 21.69$77.362 25.75

LAKE SUNAPEE BANK, FSB NEWPORT NH $154.72

SUGAR RIVER SAVINGS BANK NEWPORT NH $87.06 5 12.21$43.533 14.49


EDINBURGH $61.41 3 17.22$61.414 10.22


CONNECTICUT RIVER BANCORP, INC. CHARLESTOWN NH $50.91 4 14.28$50.915 8.47

CONNECTICUT RIVER BANK, NATIONAL AS SPRINGFIELD VT $50.91



100.00% 100.00%


$600.84 $356.58


2,532

1 154


MarketShare

Colebrook, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


FIRST COLEBROOK BANCORP, INC. COLEBROOK NH $83.96 1 65.98$83.961 65.98

THE FIRST COLEBROOK BANK COLEBROOK NH $83.96


EDINBURGH $43.28 2 34.02$43.282 34.02


100.00% 100.00%


$127.24 $127.24


5,511

1 155


MarketShare

Concord, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare





EDINBURGH $370.70 2 21.02$370.702 16.80



MERRIMACK COUNTY SAVINGS BANK CONCORD NH $235.78 3 6.68$117.893 10.69



FRANKLIN SAVINGS BANK FRANKLIN NH $181.62 7 5.15$90.815 8.23



BOW MILLS BANK AND TRUST BOW NH $110.60 4 6.27$110.607 5.01









THE PEMIGEWASSET NATIONAL BANK OF P PLYMOUTH NH $40.38

MASCOMA MUTUAL HOLDING COMPANY LEBANON NH $39.37 14 1.12$19.6813 1.78

MASCOMA SAVINGS BANK LEBANON NH $39.37

FIRST COLEBROOK BANCORP, INC. COLEBROOK NH $29.92 11 1.70$29.9214 1.36

THE FIRST COLEBROOK BANK COLEBROOK NH $29.92

LEDYARD NATIONAL BANK NORWICH VT $15.47 15 0.88$15.4715 0.70

PROVIDIAN NATIONAL BANK TILTON NH $0.00 16 0.00$0.0016 0.00

100.00% 100.00%


$2,206.55 $1,763.92


1,390

1 156


MarketShare

Conway, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



EDINBURGH $238.50 1 30.26$238.501 28.26













100.00% 100.00%


$844.02 $788.28


1,964

1 157


MarketShare

Hanover-Lebanon, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




LEDYARD NATIONAL BANK NORWICH VT $203.75 2 16.36$203.752 12.52


EDINBURGH $141.15 3 11.34$141.153 8.67







CHITTENDEN TRUST COMPANY BURLINGTON VT $107.17



WELLS RIVER SAVINGS BANK WELLS RIVER VT $94.90 10 3.81$47.458 5.83

MERCHANTS BANCSHARES INC. BURLINGTON VT $60.56 7 4.86$60.569 3.72

THE MERCHANTS BANK BURLINGTON VT $60.56



FIRST COMMUNITY BANK WOODSTOCK VT $44.26 11 3.55$44.2611 2.72

GUARANTY BANCORP, INC. WOODSVILLE NH $34.67 13 1.39$17.3412 2.13

WOODSVILLE GUARANTY SAVINGS BANK WOODSVILLE NH $34.67

CENTRAL FINANCIAL CORPORATION RANDOLPH VT $33.97 12 2.73$33.9713 2.09

THE RANDOLPH NATIONAL BANK RANDOLPH VT $33.97


NORTHFIELD MHC NORTHFIELD VT $11.52 15 0.46$5.7615 0.71

NORTHFIELD SAVINGS BANK NORTHFIELD VT $11.52

CLAREMONT SAVINGS BANK CLAREMONT NH $6.48 16 0.26$3.2416 0.40

100.00% 100.00%


$1,627.58 $1,245.23


1,389

1 158


MarketShare

Haverhill, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare






100.00% 100.00%


$88.41 $44.21


7,541

1 159


MarketShare

Keene, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




SAVINGS BANK OF WALPOLE WALPOLE NH $206.69 3 13.06$103.342 23.10




EDINBURGH $84.00 4 10.61$84.004 9.39






100.00% 100.00%


$894.95 $791.60


2,344

1 160


MarketShare

Laconia, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




MEREDITH VILLAGE SAVINGS BANK MEREDITH NH $284.61 3 20.31$142.312 27.76


EDINBURGH $151.01 2 21.55$151.013 14.73




VILLAGE FINANCIAL CORPORATION GILFORD NH $70.20 5 10.02$70.205 6.85

VILLAGE BANK & TRUST COMPANY GILFORD NH $70.20



FRANKLIN SAVINGS BANK FRANKLIN NH $4.71 7 0.34$2.367 0.46

PROVIDIAN NATIONAL BANK TILTON NH $0.00 8 0.00$0.008 0.00

100.00% 100.00%


$1,025.25 $700.67


2,421

1 161


MarketShare

Littleton, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



LANCASTER NH $117.46 1 37.26$117.461 29.08

THE SIWOOGANOCK BANK LANCASTER NH $66.44

THE LANCASTER NATIONAL BANK LANCASTER NH $51.02









PASSUMPSIC BANCORP SAINT JOHNSBURY VT $18.58 6 2.95$9.296 4.60

PASSUMPSIC SAVINGS BANK ST. JOHNSBURY VT $18.58

100.00% 100.00%


$403.89 $315.29


2,052

1 162


MarketShare

Manchester, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



EDINBURGH $2,208.50 1 54.85$2,208.501 54.21






CENTRIX BANK & TRUST BEDFORD NH $153.36 4 3.81$153.364 3.76



SOUTHERN NEW HAMPSHIRE BANK AND TRU

SALEM NH $76.86 5 1.91$76.866 1.89





100.00% 100.00%


$4,074.09 $4,026.28


3,648

1 163


MarketShare

Plymouth, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare





EDINBURGH $79.59 2 27.38$79.592 24.08


COMMUNITY GUARANTY CORPORATION PLYMOUTH NH $61.18 3 21.04$61.183 18.51

COMMUNITY GUARANTY SAVINGS BANK PLYMOUTH NH $61.18

MEREDITH VILLAGE SAVINGS BANK MEREDITH NH $53.28 4 9.16$26.644 16.12





100.00% 100.00%


$330.49 $290.71


2,338

1 164


MarketShare

Portsmouth, NH Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



EDINBURGH $1,215.00 1 33.07$1,215.001 29.98









KENNEBUNK SAVINGS BANK KENNEBUNK ME $323.65 5 4.40$161.835 7.99

FEDERAL SAVINGS BANK DOVER NH $186.66 7 2.54$93.336 4.61

PISCATAQUA SAVINGS BANK PORTSMOUTH NH $143.38 8 1.95$71.697 3.54


PROFILE BANK, FSB ROCHESTER NH $99.48 9 1.35$49.749 2.45



CENTRIX BANK & TRUST BEDFORD NH $7.50 11 0.20$7.5011 0.19



SANFORD INSTITUTION FOR SAVINGS SANFORD ME $4.39 13 0.06$2.1913 0.11

PEPPERELL BANCSHARES FINANCIAL GROUP, INC.

BIDDEFORD ME $0.25 14 0.01$0.2514 0.01

PEPPERELL BANK & TRUST BIDDEFORD ME $0.25

MANULIFE FINANCIAL CORPORATION TORONTO $0.00 15 0.00$0.0015 0.00

FIRST SIGNATURE BANK AND TRUST COMP PORTSMOUTH NH $0.00

100.00% 100.00%


$4,052.82 $3,674.05


1,872

1 165

RHODE ISLAND

166


MarketShare

Newport, RI Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare




EDINBURGH $274.59 1 42.52$274.592 29.66

CITIZENS BANK OF RHODE ISLAND PROVIDENCE RI $274.59

NEWPORT FEDERAL SAVINGS BANK NEWPORT RI $95.03 4 7.36$47.523 10.26







100.00% 100.00%


$925.80 $645.79


3,036

1 167


MarketShare

Providence, RI Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



EDINBURGH $7,961.38 1 45.54$7,961.381 41.49

CITIZENS BANK OF RHODE ISLAND PROVIDENCE RI $7,854.97




FLEET BANK (RI), NATIONAL ASSOCIATI PROVIDENCE RI $80.44



METLIFE, INC. NEW YORK NY $1,022.04 3 5.85$1,022.044 5.33

METLIFE BANK, NATIONAL ASSOCIATION BRIDGEWATER NJ $1,022.04

BANCORP RHODE ISLAND, INC. PROVIDENCE RI $888.24 5 5.08$888.245 4.63

BANK RHODE ISLAND PROVIDENCE RI $888.24

WASHINGTON TRUST BANCORP, INC. WESTERLY RI $714.86 6 4.09$714.866 3.73

THE WASHINGTON TRUST COMPANY OF WES WESTERLY RI $714.86

CENTREVILLE SAVINGS BANK WEST WARWICK RI $546.95 8 1.56$273.477 2.85



BEACON BANCORP TAUNTON MA $260.92 9 0.75$130.469 1.36

BRISTOL COUNTY SAVINGS BANK TAUNTON MA $260.92

HOME LOAN FINANCIAL CORP. WARWICK RI $194.57 10 0.56$97.2910 1.01

HOME LOAN AND INVESTMENT BANK, F.S.B. WARWICK RI $194.57


SARGENT INVESTORS INC. CRANSTON RI $150.28 12 0.43$75.1412 0.78

DOMESTIC BANK CRANSTON RI $150.28

INDEPENDENT BANK CORP. ROCKLAND MA $54.93 13 0.31$54.9313 0.29

ROCKLAND TRUST COMPANY ROCKLAND MA $54.93




MILFORD MA $43.41 18 0.12$21.7015 0.23



BERKSHIRE FINANCIAL SERVICES, INC. LEE MA $38.08 16 0.22$38.0817 0.20

FREEDOM NATIONAL BANK GREENVILLE RI $38.08

INDEPENDENCE BANK EAST GREENWICH RI $34.59 17 0.20$34.5918 0.18

1 168


MarketShare

Providence, RI Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



RI $30.43 19 0.09$15.2219 0.16

NARRAGANSETT FINANCIAL CORP FALL RIVER MA $26.63 20 0.08$13.3120 0.14

CITIZENS-UNION SAVINGS BANK FALL RIVER MA $26.63

NEWPORT FEDERAL SAVINGS BANK NEWPORT RI $26.18 21 0.07$13.0921 0.14


NEW BEDFORD MA $16.69 22 0.05$8.3522 0.09


MASSACHUSETTS STATE CARPENTERS BOSTON MA $10.44 24 0.03$5.2223 0.05

FIRST TRADE UNION BANK BOSTON MA $10.44

TALBOTS CLASSICS NATIONAL BANK LINCOLN RI $5.99 23 0.03$5.9924 0.03


J. P. MORGAN TRUST COMPANY, NATIONA LOS ANGELES CA $0.00

100.00% 100.00%


$19,190.31 $17,482.32


2,481

2 169

VERMONT

170


MarketShare

Barre Montpelier, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare
















COMMUNITY BANCORP. DERBY VT $14.24 7 2.27$14.248 1.90

COMMUNITY NATIONAL BANK DERBY VT $14.24



100.00% 100.00%


$749.41 $628.13


2,121

1 171


MarketShare

Bennington, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


COMMUNITY FINANCIAL, MHC BENNINGTON VT $93.03 4 15.99$46.511 27.29

THE BANK OF BENNINGTON BENNINGTON VT $93.03









TRUSTCO BANK CORP. GLENVILLE NY $6.78 6 1.16$3.396 1.99

TRUSTCO BANK GLENVILLE NY $6.78

100.00% 100.00%


$340.87 $290.97


2,043

1 172


MarketShare

Brattleboro, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare






THE BRATTLEBORO SLA, F.A. BRATTLEBORO VT $90.39 5 6.75$45.203 12.64








EDINBURGH $13.03 7 1.94$13.037 1.82


100.00% 100.00%


$714.88 $669.68


2,683

1 173


MarketShare

Burlington, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


CHITTENDEN CORPORATION BURLINGTON VT $1,290.46 1 38.84$1,290.461 38.33

CHITTENDEN TRUST COMPANY BURLINGTON VT $1,290.46









PEOPLES TRUST COMPANY OF ST. ALBANS SAINT ALBANS VT $174.74 6 5.26$174.746 5.19



LYNDONVILLE SAVINGS BANK AND TRUST LYNDONVILLE VT $28.13 8 0.85$28.138 0.84

UNION BANKSHARES, INC. MORRISVILLE VT $27.17 9 0.82$27.179 0.81

UNION BANK MORRISVILLE VT $27.17

MIDDLEBURY NATIONAL CORPORATION MIDDLEBURY VT $23.13 10 0.70$23.1310 0.69

THE NATIONAL BANK OF MIDDLEBURY MIDDLEBURY VT $23.13

100.00% 100.00%


$3,366.65 $3,322.47


2,281

1 174


MarketShare

Manchester, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare



VT $159.38 1 48.35$159.381 46.50

THE FACTORY POINT NATIONAL BANK OF MANCHESTER CENTER VT $159.38







COMMUNITY FINANCIAL, MHC BENNINGTON VT $26.27 6 3.98$13.135 7.66

THE BANK OF BENNINGTON BENNINGTON VT $26.27



100.00% 100.00%


$342.77 $329.64


2,804

1 175


MarketShare

Middlebury, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare


MIDDLEBURY NATIONAL CORPORATION MIDDLEBURY VT $129.05 1 40.28$129.051 40.28

THE NATIONAL BANK OF MIDDLEBURY MIDDLEBURY VT $129.05







THE FIRST NATIONAL BANK OF ORWELL ORWELL VT $22.50 5 7.02$22.505 7.02



100.00% 100.00%


$320.40 $320.40


2,606

1 176


MarketShare

Morristown, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare










100.00% 100.00%


$349.26 $349.26


3,426

1 177


MarketShare

Newport, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare











100.00% 100.00%


$400.52 $365.56


3,485

1 178


MarketShare

Randolph, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








100.00% 100.00%


$97.51 $82.20


4,258

1 179


MarketShare

Rutland, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








FIRST BRANDON NATIONAL BANK BRANDON VT $76.02 4 9.20$76.024 9.20




VT $60.39 6 7.31$60.396 7.31




FIRST COMMUNITY BANK WOODSTOCK VT $9.10 8 1.10$9.108 1.10

100.00% 100.00%


$825.98 $825.98


1,882

1 180


MarketShare

Saint Johnsbury, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare













100.00% 100.00%


$414.20 $314.64


3,038

1 181


MarketShare

Springfield, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare







VT $36.12 3 12.17$36.123 11.66






THE BRATTLEBORO SLA, F.A. BRATTLEBORO VT $25.91 7 4.36$12.956 8.36



100.00% 100.00%


$309.86 $296.90


2,224

1 182


MarketShare

Waitsfield, VT Banking Market(For Commercial Bank And Thrift Organizations- 6/30/04)

MarketDepositsRank

MarketShare








100.00% 100.00%


$86.54 $76.42


3,497

1 183

VI. CROSS-REFERENCE INDEX

184

First District Cross Reference Index, as of June 30, 2004

ADAMS CO-OPERATIVE BANK Pittsfield (MA) ANDROSCOGGIN BANCORP, MHC Brunswick Farmington Lewiston-Auburn Paris-Norway Portland AROOSTOOK COUNTY FEDERAL SAVINGS Presque-Isle-Caribou ASIAN AMERICAN BANK AND TRUST COMPA Boston ASSABET VALLEY BANCORP Boston Worcester ASSOCIATED COMMUNITY BANCORP, INC. Fairfield Area ATHOL SAVINGS BANK Athol Boston Worcester ATHOL-CLINTON CO-OPERATIVE BANK Athol Boston AUBURN SAVINGS AND LOAN ASSOCIATION Lewiston-Auburn AVON CO-OPERATIVE BANK Boston BANCO COMERCIAL PORTUGUES, S.A. Springfield (MA) BANCORP RHODE ISLAND, INC. Providence BANGOR SAVINGS BANK Augusta Bangor Belfast Calais Ellsworth Farmington Guilford Houlton Lewiston-Auburn Lincoln Machias Millinocket Parsonfield Pittsfield (ME) Portland Rockland Rumford BANK OF AMERICA CORPORATION Athol Augusta Bangor Boston Brunswick Cape Cod Concord Danielson Fairfield Area Fall River Greenfield Hanover-Lebanon Hartford Keene Laconia

Lewiston-Auburn Manchester Nantucket New Bedford New Haven New London (CT) Newport Old Saybrook Pittsfield (ME) Portland Portsmouth-Dover-Rochester Providence Rockland Sanford Springfield (MA) Torrington Waterbury Worcester BANK OF EASTON, A CO-OPERATIVE BANK Boston BANK OF FALL RIVER, A CO-OPERATIVE Boston Fall River New Bedford BANK OF MONTREAL Boston BANK OF NEW YORK COMPANY, INC., THE Fairfield Area BANK OF NEWPORT Fall River Newport Providence BANKNORTH GROUP, INC. Athol Augusta Bangor Barre Montpelier Barton Newport Belfast Bennington Boston Brattleboro Bridgton Brunswick Burlington-St Albans Cape Cod Concord Conway Ellsworth Fairfield Area Farmington Great Barrington Greenfield Hanover-Lebanon Hartford Hillsborough Houlton Keene Laconia Lewiston-Auburn Lincoln Manchester New Bedford New Haven Paris-Norway Peterborough Pittsfield (MA)

185


Pittsfield (ME) Plymouth Portland Portsmouth-Dover-Rochester Presque-Isle-Caribou Providence Rockland Rutland Saint Johnsbury Sanford Springfield (MA) Springfield (VT) St. John Valley Stowe Morristown Torrington Waitsfield Waterbury Wolfeboro Woodstock Worcester BAR HARBOR BANKSHARES Bar Harbor Calais Ellsworth Machias Rockland BAR HARBOR SAVINGS AND LOAN Bar Harbor BARRE SAVINGS BANK Worcester BATH SAVINGS INSTITUTION Boothbay Harbor Brunswick Damariscotta Portland BAY STATE SAVINGS BANK Worcester BEACON BANCORP Boston Providence BEACON FEDERAL Boston BELMONT SAVINGS BANK Boston BENJAMIN FRANKLIN BANCORP, MHC Boston BERKSHIRE FINANCIAL SERVICES, INC. Great Barrington Pittsfield (MA) Providence BERKSHIRE HILLS BANCORP Great Barrington Pittsfield (MA) BEVERLY CO-OPERATIVE BANK Boston BEVERLY NATIONAL CORPORATION Boston BIDDEFORD SAVINGS BANK Portland Sanford BORDER BANCSHARES, INC. Augusta Brunswick Jackman BOSTON PRIVATE FINANCIAL HOLDINGS, Boston

BOSTONFED BANCORP, INC. Boston BOW MILLS BANK AND TRUST Concord BRIDGEWATER CO-OPERATIVE BANK Boston BRIDGEWATER FINANCIAL, MHC Boston BROOKLINE BANCORP, MHC Boston BROOKLINE CO-OPERATIVE BANK Boston BUTLER BANK--A CO-OPERATIVE BANK Boston CALAIS FEDERAL SAVINGS AND LOAN Calais CAMBRIDGE BANCORP Boston Concord Peterborough Portsmouth-Dover-Rochester CAMBRIDGE FINANCIAL GROUP, INC. Boston CAMDEN NATIONAL CORPORATION Augusta Bangor Belfast Damariscotta Farmington Guilford Lewiston-Auburn Portland Portsmouth-Dover-Rochester Rangeley Rockland CAMPELLO BANCORP Boston Cape Cod CANAAN NATIONAL BANCORP, INC. Great Barrington Salisbury CANTON CO-OPERATIVE BANK Boston CAPE ANN SAVINGS BANK Boston CAPE COD CO-OPERATIVE BANK Cape Cod CAPITAL CROSSING BANK Boston CASTLE BANK & TRUST COMPANY New Haven CENTRAL BANCORP, INC. Boston CENTRAL FINANCIAL CORPORATION Barre Montpelier Randolph CENTREVILLE SAVINGS BANK Providence CENTRIX BANK & TRUST Manchester CENTURY BANCORP, INC. Boston

186


CHARLES SCHWAB CORPORATION, THE Fairfield Area Hartford Old Saybrook CHART BANK, A COOPERATIVE BANK Boston CHARTER OAK COMMUNITY BANK CORP. Hartford CHARTER ONE FINANCIAL, INC. Barre Montpelier Bennington Brattleboro Burlington-St Albans Hanover-Lebanon Middlebury Rutland Springfield (MA) Springfield (VT) Vergennes Waterbury Woodstock CHELSEA-PROVIDENT CO-OPERATIVE BANK Boston CHICOPEE SAVINGS BANK Springfield (MA) CHITTENDEN CORPORATION Barre Montpelier Barton Newport Bennington Boston Brattleboro Brunswick Burlington-St Albans Concord Greenfield Hanover-Lebanon Hillsborough Keene Lewiston-Auburn Manchester Middlebury Parsonfield Peterborough Portland Portsmouth-Dover-Rochester Randolph Rutland Sanford Springfield (MA) Springfield (VT) Stowe Morristown Vergennes Waitsfield Wilmington Woodstock Worcester CIGNA CORPORATION Hartford CITIGROUP INC. Fairfield Area CITIZENS NATIONAL BANCORP, INC. Danielson Worcester CLAREMONT SAVINGS BANK Claremont CLINTON SAVINGS BANK Boston Worcester

COLLINSVILLE SAVINGS SOCIETY Hartford COLONIAL CO-OPERATIVE BANK Boston COLONIAL FEDERAL SAVINGS BANK Boston COMMERCE BANCSHARES CORP. Boston Worcester COMMONWEALTH CO-OPERATIVE BANK Boston COMMONWEALTH NATIONAL BANK Worcester COMMUNITY BANCORP. Barre Montpelier Barton Newport Saint Johnsbury COMMUNITY BANK AND TRUST COMPANY Boston Portsmouth-Dover-Rochester Wolfeboro COMMUNITY FINANCIAL MHC Bennington COMMUNITY GUARANTY CORPORATION Plymouth CONNECTICUT MUTUAL HOLDING COMPANY Fairfield Area Hartford Salisbury Torrington Waterbury CONNECTICUT RIVER BANCORP, INC. Claremont Keene Lancaster Littleton Springfield (VT) CONNECTICUT RIVER COMMUNITY BANK Hartford CORNERSTONE BANCORP, INC. Fairfield Area COUNTRY BANK FOR SAVINGS Springfield (MA) Worcester DAMARISCOTTA BANKSHARES, INC. Belfast Damariscotta Rockland DANVERS BANCORP, INC. Boston DEAN CO-OPERATIVE BANK Boston DEDHAM CO-OPERATIVE BANK Boston DEDHAM INSTITUTION FOR SAVINGS Boston DUKES COUNTY SAVINGS BANK Martha's Vineyard EAGLE BANK Boston EAST BRIDGEWATER SAVINGS BANK Boston EAST CAMBRIDGE SAVINGS BANK Boston

187


EASTERN BANK CORPORATION Boston EASTERN FEDERAL BANK Hartford New London (CT) EASTHAMPTON SAVINGS BANK Springfield (MA) ECONOMY CO-OPERATIVE BANK Boston ENTERPRISE BANCORP, INC. Boston EQUITABLE CO-OPERATIVE BANK Boston ESSEX SAVINGS BANK New London (CT) Old Saybrook EVERETT CO-OPERATIVE BANK Boston FACTORY POINT BANCORP, INC. Bennington Rutland Springfield (VT) FAIRFIELD COUNTY BANK Fairfield Area FALL RIVER FIVE CENTS SAVINGS BANK Fall River New Bedford FALMOUTH BANCORP, INC. Cape Cod FAMILY FEDERAL SAVINGS AND LOAN Boston FARMINGTON SAVINGS BANK Hartford FEDERAL SAVINGS BANK Portsmouth-Dover-Rochester FIDELITY CO-OPERATIVE BANK Boston Worcester FIRST BRANDON NATIONAL BANK Rutland FIRST CITIZENS BANK Houlton Lincoln Presque-Isle-Caribou St. John Valley FIRST CITY BANK Hartford FIRST COLEBROOK BANCORP, INC. Colebrook Concord FIRST COMMUNITY BANK Rutland Woodstock FIRST COUNTY BANK Fairfield Area FIRST EASTERN BANKSHARES Boston FIRST FEDERAL SAVINGS AND LOAN Boothbay Harbor Brunswick Damariscotta

FIRST IPSWICH BANCORP Boston Manchester Portsmouth-Dover-Rochester FIRST LITCHFIELD FINANCIAL Fairfield Area Torrington FIRST NATIONAL LINCOLN CORPORATION Boothbay Harbor Brunswick Damariscotta Rockland FITCHBURG SAVINGS BANK, FSB Boston FLORENCE SAVINGS BANK Springfield (MA) FMR CORP. Boston FNB BANKSHARES Bar Harbor Calais Ellsworth FOXBORO FEDERAL SAVINGS AND LOAN Boston FRAMINGHAM CO-OPERATIVE BANK Boston FRANKLIN SAVINGS BANK Concord Laconia Plymouth FSB BANCORP, MHC Augusta Farmington Rangeley Rumford GARDINER SAVINGS INSTITUTION, FSB Augusta Boothbay Harbor Brunswick Damariscotta GBC BANCORP Boston GEORGETOWN SAVINGS BANK Boston GLOUCESTER CO-OPERATIVE BANK Boston GORHAM SAVINGS BANK Portland Sanford GRAND BANK CORPORATION Boston GRANITE SAVINGS BANK Boston GREENFIELD CO-OPERATIVE BANK Greenfield GREENFIELD SAVINGS BANK Greenfield Springfield (MA) GUARANTY BANCORP, INC. Hanover-Lebanon Haverhill Lancaster Littleton Plymouth

188


HAMPDEN BANK Springfield (MA) HAVERHILL CO-OPERATIVE BANK Boston HERITAGE CO-OPERATIVE BANK Boston HINGHAM INSTITUTION FOR SAVINGS Boston HOLBROOK CO-OPERATIVE BANK Boston HOME LOAN FINANCIAL CORP. Providence HOMETOWN BANK, A COOPERATIVE BANK Worcester HUDSON UNITED BANCORP Fairfield Area Hartford New Haven HYDE PARK CO-OPERATIVE BANK Boston HYDE PARK SAVINGS BANK Boston INDEPENDENCE BANK Providence INDEPENDENT BANK CORP. Boston Cape Cod Providence INSTITUTION FOR SAVINGS IN Boston IPSWICH CO-OPERATIVE BANK Boston IRON BANCSHARES, INC. Fairfield Area Salisbury Torrington ISLAND BANCORP, INC. Martha's Vineyard J.P. MORGAN CHASE & CO. Boston Fairfield Area New Haven Providence JEWETT CITY SAVINGS BANK Danielson New London (CT) KATAHDIN BANKSHARES CORPORATION Houlton Millinocket Presque-Isle-Caribou St. John Valley KENNEBEC FEDERAL SAVINGS AND LOAN Augusta KENNEBEC SAVINGS BANK Augusta KENNEBUNK SAVINGS BANK Portsmouth-Dover-Rochester Sanford KEYCORP Augusta Bangor Barre Montpelier Belfast Boothbay Harbor Brattleboro

Bridgton Brunswick Burlington-St Albans Conway Ellsworth Farmington Guilford Houlton Lewiston-Auburn Lincoln Middlebury Millinocket Paris-Norway Pittsfield (ME) Portland Portsmouth-Dover-Rochester Presque-Isle-Caribou Rockland Rumford Rutland Sanford St. John Valley LAFAYETTE FEDERAL SAVINGS BANK Fall River LEADER BANK, NATIONAL ASSOCIATION Boston LEDYARD NATIONAL BANK Hanover-Lebanon New London (NH) LIBERTY BANK Hartford New Haven New London (CT) Old Saybrook LOWELL CO-OPERATIVE BANK Boston LSB CORPORATION Boston LSB FINANCIAL Berlin Claremont Concord Conway Haverhill Laconia Littleton Plymouth Wolfeboro LYNDONVILLE SAVINGS BANK AND TRUST Barton Newport Burlington-St Albans Saint Johnsbury Vergennes MACHIAS BANCORP, MHC Bar Harbor Calais Ellsworth Houlton Lincoln Machias MANSFIELD CO-OPERATIVE BANK Boston MARBLEHEAD SAVINGS BANK Boston MARLBOROUGH BANCORP Boston

189


MARLBOROUGH SAVINGS BANK Boston Worcester MARSH & MCLENNAN COMPANIES, INC. Boston MASCOMA MUTUAL HOLDING COMPANY Barre Montpelier Hanover-Lebanon New London (NH) Randolph Woodstock MASSACHUSETTS STATE CARPENTERS Boston Providence MASSBANK CORP. Boston MAYFLOWER CO-OPERATIVE BANK Boston New Bedford MECHANICS' CO-OPERATIVE BANK Boston MECHANICS' SAVINGS BANK Lewiston-Auburn Portland MEDWAY CO-OPERATIVE BANK Boston MEETINGHOUSE CO-OPERATIVE BANK Boston MELLON FINANCIAL CORPORATION Boston MELROSE CO-OPERATIVE BANK Boston MERCANTILE CAPITAL CORP Boston MERCHANTS BANCSHARES, INC. Barre Montpelier Bennington Brattleboro Burlington-St Albans Hanover-Lebanon Middlebury Rutland Saint Johnsbury Springfield (VT) Stowe Morristown Vergennes Wilmington MEREDITH VILLAGE SAVINGS BANK Laconia Plymouth MERIDIAN FINANCIAL SERVICES, INC Boston MERRILL MERCHANTS BANCSHARES, INC. Bangor Pittsfield (ME) MERRIMAC SAVINGS BANK Boston MERRIMACK COUNTY SAVINGS BANK Concord METHUEN CO-OPERATIVE BANK Boston METLIFE, INC. Providence MIDDLEBURY NATIONAL CORPORATION Middlebury

MIDDLESEX FEDERAL SAVINGS AND LOAN Boston MIDDLESEX SAVINGS BANK Boston MILFORD FEDERAL SAVINGS AND LOAN Boston Providence Worcester MILLBURY NATIONAL BANK Worcester MILLBURY SAVINGS BANK Worcester MNB BANCORP Boston MONADNOCK COMMUNITY BANK Peterborough MONSON SAVINGS BANK Springfield (MA) MOUNTAINONE FINANCIAL PARTNERS, MHC Pittsfield (MA) MT. WASHINGTON CO-OPERATIVE BANK Boston MUTUAL BANCORP OF THE BERKSHIRES, Great Barrington Pittsfield (MA) MUTUAL FEDERAL SAVINGS BANK OF Boston MYSTIC FINANCIAL, INC. Boston NARRAGANSETT FINANCIAL CORP Fall River Providence NATICK FEDERAL SAVINGS BANK Boston NATIONAL BANK OF GREECE S.A. Boston NAUGATUCK SAVINGS BANK Fairfield Area New Haven Waterbury NAUGATUCK VALLEY SAVINGS AND LOAN, Fairfield Area Waterbury NEW BEDFORD COMMUNITY BANCORP New Bedford NEW ENGLAND BANCSHARES Hartford NEW HAMPSHIRE THRIFT BANCSHARES Claremont Concord Hanover-Lebanon Hillsborough New London (NH) NEWALLIANCE BANCSHARES, INC. Danielson Fairfield Area Hartford New Haven Old Saybrook NEWBURYPORT FIVE CENTS SAVINGS BANK Boston

190


NEWMIL BANCORP, INC. Fairfield Area Salisbury Torrington Waterbury NEWPORT FEDERAL SAVINGS BANK Newport Providence NEWTOWN SAVINGS BANK Fairfield Area Waterbury NORTH ABINGTON CO-OPERATIVE BANK Boston NORTH BROOKFIELD SAVINGS BANK Springfield (MA) Worcester NORTH CAMBRIDGE CO-OPERATIVE BANK Boston NORTH EASTON SAVINGS BANK Boston NORTH FORK BANCORPORATION, INC. New Haven NORTH MIDDLESEX SAVINGS BANK Boston NORTH SHORE BANCORP Boston NORTHEAST BANCORP Augusta Bridgton Brunswick Lewiston-Auburn Paris-Norway Portland Rumford NORTHERN BANCORP, INC. Boston NORTHFIELD MHC Barre Montpelier Randolph Waitsfield NORTHMARK BANK Boston NORTHWAY FINANCIAL, INC. Berlin Concord Conway Laconia Lancaster Littleton Plymouth Wolfeboro NORWAY BANCORP, MHC Augusta Bridgton Brunswick Conway Paris-Norway Portland Rumford NORWOOD CO-OPERATIVE BANK Boston ONEUNITED BANK Boston PASSUMPSIC BANCORP Barton Newport Littleton

Saint Johnsbury PATRIOT NATIONAL BANCORP, INC. Fairfield Area PENTUCKET BANK Boston PEOPLE'S MUTUAL HOLDINGS Danielson Fairfield Area Hartford New Haven New London (CT) Old Saybrook Torrington Waterbury PEOPLES FEDERAL SAVINGS BANK Boston PEOPLES SAVINGS BANK Springfield (MA) PEOPLES TRUST COMPANY OF ST. ALBANS Burlington-St Albans PEPPERELL BANCSHARES FINANCIAL Portland PEYTON STREET INDEPENDENT FINANCIAL Hartford PILGRIM CO-OPERATIVE BANK Boston PISCATAQUA SAVINGS BANK Portsmouth-Dover-Rochester PLYMOUTH BANCORP, INC. Boston Cape Cod New Bedford PRIME BANK New Haven PROFILE BANK, FSB Portsmouth-Dover-Rochester PROVIDENT BANCORP Boston PUTNAM BANCORP MHC, INC Danielson New London (CT) RANDOLPH BANCORP Boston READING CO-OPERATIVE BANK Boston RIVERGREEN BANK Portsmouth-Dover-Rochester ROCKLAND SAVINGS AND LOAN Rockland ROCKPORT NATIONAL BANCORP, INC. Boston ROXBURY-HIGHLAND CO-OPERATIVE BANK Boston ROYAL BANK OF SCOTLAND GROUP PLC, Berlin Boston Brattleboro Cape Cod Claremont Colebrook Concord Conway Fairfield Area Fall River Greenfield

191


Hanover-Lebanon Hartford Keene Laconia Manchester New Bedford New Haven New London (CT) Newport Old Saybrook Pittsfield (MA) Plymouth Portsmouth-Dover-Rochester Providence Springfield (MA) Wolfeboro Worcester SACO & BIDDEFORD SAVINGS INSTITUTION Portland SALEM CO-OPERATIVE BANK Boston SALEM FIVE CENTS SAVINGS BANK Boston SALISBURY BANCORP, INC. Salisbury SANFORD INSTITUTION FOR SAVINGS Portland Portsmouth-Dover-Rochester Sanford SARGENT INVESTORS Providence SAUGUSBANK, A CO-OPERATIVE BANK Boston SAVERS CO-OPERATIVE BANK Worcester SAVINGS BANK OF DANBURY Fairfield Area SAVINGS BANK OF WALPOLE Keene SCITUATE FEDERAL SAVINGS BANK Boston SEACOAST FINANCIAL SERVICES Boston Cape Cod Fall River Martha's Vineyard Nantucket New Bedford Providence SEAMEN'S BANK Cape Cod SECURITY FEDERAL SAVINGS BANK Boston Cape Cod SERVICE BANCORP, MHC Boston SHARON CO-OPERATIVE BANK Boston SI BANCORP, INC. Danielson Hartford New London (CT) SKOWHEGAN SAVINGS BANK Augusta Farmington Pittsfield (ME)

SLADE'S FERRY BANCORP Fall River New Bedford Providence SOUND FEDERAL BANCORP, INC. Fairfield Area SOUTH ADAMS SAVINGS BANK Pittsfield (MA) SOUTH COASTAL HOLDINGS MHC, INC Boston SOUTH SHORE CO-OPERATIVE BANK Boston SOUTH SHORE SAVINGS BANK Boston SOUTHBRIDGE SAVINGS BANK Springfield (MA) Worcester SOUTHERN CONNECTICUT BANCORP, INC New Haven SOUTHERN NEW HAMPSHIRE BANK AND Boston Manchester SOVEREIGN BANCORP, INC. Boston Concord Fall River Hartford Hillsborough Manchester New Bedford New Haven Newport Providence Springfield (MA) Torrington Waterbury Worcester SPENCER SAVINGS BANK Springfield (MA) Worcester STAFFORD SAVINGS BANK Hartford STATE STREET CORPORATION Boston STONEHAM SAVINGS BANK Boston STONEHAMBANK, A CO-OPERATIVE BANK Boston STOUGHTON CO-OPERATIVE BANK Boston SUGAR RIVER SAVINGS BANK Claremont Concord Hanover-Lebanon New London (NH) TALBOTS CLASSICS NATIONAL BANK Providence TELECOM COOPERATIVE BANK Boston THE APPLE VALLEY BANK & TRUST COMPA New Haven THE BANK OF CANTON Boston THE BANK OF NEW CANAAN Fairfield Area

192


THE BRAINTREE CO-OPERATIVE BANK Boston THE BRATTLEBORO SLA, F.A. Brattleboro Springfield (VT) THE CAPE COD FIVE CENTS SAVINGS BANK Cape Cod THE CHELSEA GROTON SAVINGS BANK New London (CT) THE COOPERATIVE BANK Boston THE DIME SAVINGS BANK OF NORWICH New London (CT) THE FIRST NATIONAL BANK OF ORWELL Middlebury THE FIRST NATIONAL BANK OF SUFFIELD Hartford THE GUILFORD SAVINGS BANK New Haven THE LANCASTER NATIONAL BANK Lancaster Littleton THE LENOX NATIONAL BANK Pittsfield (MA) THE LOWELL FIVE CENT SAVINGS BANK Boston THE MARTHA'S VINEYARD CO-OPERATIVE Martha's Vineyard THE MILFORD BANK Fairfield Area THE NEEDHAM CO-OPERATIVE BANK Boston THE NORTHAMPTON CO-OPERATIVE BANK Springfield (MA) THE PITTSFIELD CO-OPERATIVE BANK Great Barrington Pittsfield (MA) THE SAVINGS BANK Boston THE SIMSBURY BANK & TRUST COMPANY Hartford THE SIWOOGANOCK BANK Lancaster Littleton THE TORRINGTON SAVINGS BANK Hartford Salisbury Torrington THE VILLAGE BANK Boston THE WILTON BANK Fairfield Area THOMASTON SAVINGS BANK Hartford Waterbury TRUSTCO BANK CORP. Bennington U.S.B. HOLDING CO., INC. Fairfield Area UFS BANCORP Boston Worcester UNION BANKSHARES COMPANY Augusta

Bangor Bar Harbor Belfast Damariscotta Ellsworth Machias Rockland UNION BANKSHARES, INC. Barre Montpelier Burlington-St Albans Saint Johnsbury Stowe Morristown UNION FEDERAL SAVINGS BANK Providence UNION SAVINGS BANK Fairfield Area Salisbury UNITED BANK Springfield (MA) URBAN FINANCIAL GROUP, INC. Fairfield Area Hartford VALLEY BANK Hartford VILLAGE FINANCIAL CORPORATION Laconia WACHOVIA CORPORATION Fairfield Area Hartford New Haven Old Saybrook Waterbury WAINWRIGHT BANK & TRUST COMPANY Boston WAKEFIELD CO-OPERATIVE BANK Boston WALPOLE CO-OPERATIVE BANK Boston WARE CO-OPERATIVE BANK Springfield (MA) WASHINGTON SAVINGS BANK Boston WASHINGTON TRUST BANCORP, INC. New London (CT) Providence WATERTOWN SAVINGS BANK Boston WEBSTER FINANCIAL CORP. Boston Fairfield Area Fall River Hartford New Bedford New Haven New London (CT) Newport Old Saybrook Providence Torrington Waterbury WEBSTER FIVE CENTS SAVINGS BANK Worcester WELLESLEY CO-OPERATIVE BANK Boston WELLS RIVER SAVINGS BANK Hanover-Lebanon

193


Haverhill WESTBANK CORPORATION Danielson Springfield (MA) WESTBOROUGH BANCORP, M.H.C. Worcester WESTERLY SAVINGS BANK New London (CT) WESTFIELD MUTUAL HOLDING COMPANY Springfield (MA) WEYMOUTH BANK Boston WINCHESTER CO-OPERATIVE BANK Boston WINCHESTER SAVINGS BANK Boston WINDSOR FEDERAL, MHC Hartford WINTER HILL FEDERAL SAVINGS BANK Boston WORONOCO BANCORP, INC. Springfield (MA) WRENTHAM CO-OPERATIVE BANK Boston

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Documents

BANKING STRUCTURE IN NEW ENGLAND 2001 - 2004 · PDF fileINTRODUCTION This report, an update of Research Report 76, Banking Structure in New England 1999-2001, provides information